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, CA

ZIP 92086 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92086

Median Home Value
$430,100
Median Rent
$1,240
Affordability Snapshot
$118,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,763/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 92086 in CA, a household would need roughly $118,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,763. That is about 73% above the local median household income ($68,224), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.5%+31% vs US avg
x
Vacancy Rate
19.8%+92% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
55.8%+12% vs US avg
x
Mortgage-Free
39.5%+3% vs US avg
x
$430,100
Home Value
$1,240
Rent
1992
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached52.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units2.8%
  • Mobile home & other44.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$430,100
Median rent$1,240
Owner-occupied85.5%
Vacant19.8%
Price-to-income6.3x
Est. income to buy$118,000