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San Diego city, CA

ZIP 92117 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92117

Median Home Value
$914,400
Median Rent
$1,996
Affordability Snapshot
$252,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,874/mo PITI).

23%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

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

38.2 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 92117 in San Diego city, CA, a household would need roughly $252,000 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 $5,874. That is about 139% above the local median household income ($105,286), 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
57.2%-12% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
36.8%-4% vs US avg
x
$914,400
Home Value
$1,996
Rent
1965
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached61.9%
  • 1-unit attached7.3%
  • 2-9 units12.3%
  • 10+ units16.6%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$914,400
Median rent$1,996
Owner-occupied57.2%
Vacant4.3%
Price-to-income8.7x
Est. income to buy$252,000