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ZIP 92202 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92202

Median Home Value
$283,300
Median Rent
$744
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,820/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.

31.7 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 92202, a household would need roughly $78,000 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 $1,820. That is about 67% above the local median household income ($46,731), 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
56.5%-14% vs US avg
x
Vacancy Rate
1.9%-82% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
7.1%-44% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
54.9%+44% vs US avg
x
$283,300
Home Value
$744
Rent
1972
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached59.5%
  • 1-unit attached0.9%
  • 2-9 units27.1%
  • 10+ units0.7%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$283,300
Median rent$744
Owner-occupied56.5%
Vacant1.9%
Price-to-income6.1x
Est. income to buy$78,000