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San Diego city, CA

ZIP 92127 — Housing & Real Estate

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

Wealthy AreaLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92127

Median Home Value
$1,165,100
Median Rent
$2,452
Affordability Snapshot
$321,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,484/mo PITI).

16%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

39.6 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 92127 in San Diego city, CA, a household would need roughly $321,000 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 $7,484. That is about 79% above the local median household income ($179,220), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
72.4%+11% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
15.7%+6% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
16.7%-56% vs US avg
x
$1,165,100
Home Value
$2,452
Rent
2003
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached60.5%
  • 1-unit attached13.9%
  • 2-9 units13.4%
  • 10+ units12.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,165,100
Median rent$2,452
Owner-occupied72.4%
Vacant3.7%
Price-to-income6.5x
Est. income to buy$321,000