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San Diego city, CA

ZIP 92101 — 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 92101

Median Home Value
$740,500
Median Rent
$2,260
Affordability Snapshot
$204,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,757/mo PITI).

30%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

27.3 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 92101 in San Diego city, CA, a household would need roughly $204,000 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 $4,757. That is about 125% above the local median household income ($90,477), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
25.1%-62% vs US avg
x
Vacancy Rate
12.9%+25% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
2.8%-59% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$740,500
Home Value
$2,260
Rent
2003
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached2.4%
  • 1-unit attached1.6%
  • 2-9 units6.3%
  • 10+ units89.1%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$740,500
Median rent$2,260
Owner-occupied25.1%
Vacant12.9%
Price-to-income8.2x
Est. income to buy$204,000