92007 — San Diego County, California Market Snapshot
Housing market data for zip code 92007 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$2,350,000
Days to Sell
23
Homes Sold
27
Inventory
20
Sale-to-List
99.7%
New Listings
41
Price/SqFt
$1,166
Pending Sales
34
Jumbo Loan Likely Needed
The median home in 92007 at $2,350,000 exceeds the 2026 conforming loan limit of $1,104,000 by $1,246,000. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 92007 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 92007 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92007 at $2,350,000 exceeds the 2026 conforming loan limit of $1,104,000 by $1,246,000. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 92007 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 92007
To purchase the median home at $2,350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $18,155.
Monthly Payment
$18,155
Income Required
$778,069
Principal & Interest
$14,480/mo
Down Payment (5%)
$117,500
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 92007.
Estimated Monthly Payment
$14,694
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92007.
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