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San Diego city, CA

ZIP 92139 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92139

Median Home Value
$598,500
Median Rent
$1,942
Affordability Snapshot
$165,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,845/mo PITI).

25%
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.

25.7 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 92139 in San Diego city, CA, a household would need roughly $165,000 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 $3,845. That is about 79% above the local median household income ($92,381), 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
60.1%-8% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
31.7%-36% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$598,500
Home Value
$1,942
Rent
1977
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 detached54.9%
  • 1-unit attached24.2%
  • 2-9 units6.8%
  • 10+ units13.1%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$598,500
Median rent$1,942
Owner-occupied60.1%
Vacant5.5%
Price-to-income6.5x
Est. income to buy$165,000