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San Diego city, CA

ZIP 92122 — 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 92122

Median Home Value
$1,005,000
Median Rent
$2,428
Affordability Snapshot
$277,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,456/mo PITI).

29%
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.

34.5 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 92122 in San Diego city, CA, a household would need roughly $277,000 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 $6,456. That is about 180% above the local median household income ($98,825), 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
33.6%-49% vs US avg
x
Vacancy Rate
7.7%-25% vs US avg
x
Broadband Access
97.0%+12% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
41.2%+8% vs US avg
x
$1,005,000
Home Value
$2,428
Rent
1986
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 detached24.0%
  • 1-unit attached8.0%
  • 2-9 units11.2%
  • 10+ units56.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,005,000
Median rent$2,428
Owner-occupied33.6%
Vacant7.7%
Price-to-income10.2x
Est. income to buy$277,000