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San Diego city, CA

ZIP 92131 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92131

Median Home Value
$1,107,900
Median Rent
$2,921
Affordability Snapshot
$305,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,117/mo PITI).

19%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

31.6 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 92131 in San Diego city, CA, a household would need roughly $305,000 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 $7,117. That is about 68% above the local median household income ($181,281), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.1%+24% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
14.1%-5% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
28.1%-26% vs US avg
x
$1,107,900
Home Value
$2,921
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached64.2%
  • 1-unit attached16.6%
  • 2-9 units9.4%
  • 10+ units9.7%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,107,900
Median rent$2,921
Owner-occupied81.1%
Vacant3.6%
Price-to-income6.1x
Est. income to buy$305,000