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ZIP 92178 — Housing & Real Estate

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

Wealthy AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92178

Median Home Value
$2,000,001
Median Rent
$3,501
Affordability Snapshot
$551,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,847/mo PITI).

20%
Rent-to-Income Ratio

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

9.4x
Home Price-to-Income Ratio

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

47.6 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 92178, a household would need roughly $551,000 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 $12,847. That is about 159% above the local median household income ($213,125), 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

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.0%+18% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
16.1%+9% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
60.8%+59% vs US avg
x
$2,000,001
Home Value
$3,501
Rent
1959
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached80.0%
  • 1-unit attached7.8%
  • 2-9 units3.7%
  • 10+ units7.8%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$2,000,001
Median rent$3,501
Owner-occupied77.0%
Vacant21.6%
Price-to-income9.4x
Est. income to buy$551,000