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San Diego city, CA

ZIP 92173 — 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 92173

Median Home Value
$521,800
Median Rent
$1,490
Affordability Snapshot
$144,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,352/mo PITI).

27%
Rent-to-Income Ratio

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

7.9x
Home Price-to-Income Ratio

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

29.2 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 92173 in San Diego city, CA, a household would need roughly $144,000 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 $3,352. That is about 119% above the local median household income ($65,865), 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
35.3%-46% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
32.1%-35% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$521,800
Home Value
$1,490
Rent
1979
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 detached28.8%
  • 1-unit attached7.5%
  • 2-9 units24.8%
  • 10+ units32.0%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$521,800
Median rent$1,490
Owner-occupied35.3%
Vacant5.6%
Price-to-income7.9x
Est. income to buy$144,000