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San Diego city, CA

ZIP 92109 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92109

Median Home Value
$1,136,000
Median Rent
$2,241
Affordability Snapshot
$313,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,297/mo PITI).

23%
Rent-to-Income Ratio

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

9.6x
Home Price-to-Income Ratio

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

42.2 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 92109 in San Diego city, CA, a household would need roughly $313,000 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 $7,297. That is about 165% above the local median household income ($118,300), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
31.4%-52% vs US avg
x
Vacancy Rate
16.2%+57% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$1,136,000
Home Value
$2,241
Rent
1973
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached27.8%
  • 1-unit attached11.3%
  • 2-9 units31.7%
  • 10+ units28.1%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,136,000
Median rent$2,241
Owner-occupied31.4%
Vacant16.2%
Price-to-income9.6x
Est. income to buy$313,000