91977 — San Diego County, California Market Snapshot
Housing market data for zip code 91977 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$585,000
Days to Sell
13
Homes Sold
14
Inventory
7
Sale-to-List
102.3%
New Listings
14
Price/SqFt
$472
Pending Sales
11
Conforming Loan Available
Most homebuyers in 91977 can comfortably use conventional financing. The median home price of $585,000 is well below the 2026 conforming loan limit of $1,104,000, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
91977 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 91977 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 91977 can comfortably use conventional financing. The median home price of $585,000 is well below the 2026 conforming loan limit of $1,104,000, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 91977 are set at the county level.
2026 Loan Limits — San Diego County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,104,000 | $1,104,000 |
| 2 Units | $1,413,350 | $1,413,350 |
| 3 Units | $1,708,400 | $1,708,400 |
| 4 Units | $2,123,100 | $2,123,100 |
Affordability Snapshot — Zip 91977
To purchase the median home at $585,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,632.
Monthly Payment
$4,632
Income Required
$198,518
Principal & Interest
$3,605/mo
Down Payment (5%)
$29,250
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 91977.
Estimated Monthly Payment
$3,770
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