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San Diego city, CA

ZIP 92103 — 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 92103

Median Home Value
$986,800
Median Rent
$1,891
Affordability Snapshot
$272,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,339/mo PITI).

23%
Rent-to-Income Ratio

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

10.2x
Home Price-to-Income Ratio

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

43.5 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 92103 in San Diego city, CA, a household would need roughly $272,000 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 $6,339. That is about 181% above the local median household income ($96,887), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
35.3%-46% vs US avg
x
Vacancy Rate
8.4%-18% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
21.1%-57% vs US avg
x
Mortgage-Free
31.6%-17% vs US avg
x
$986,800
Home Value
$1,891
Rent
1973
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached25.5%
  • 1-unit attached7.7%
  • 2-9 units21.8%
  • 10+ units44.6%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$986,800
Median rent$1,891
Owner-occupied35.3%
Vacant8.4%
Price-to-income10.2x
Est. income to buy$272,000