92008 — San Diego County, California Market Snapshot
Housing market data for zip code 92008 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$1,782,500
Days to Sell
33
Homes Sold
86
Inventory
74
Sale-to-List
98.8%
New Listings
128
Price/SqFt
$865
Pending Sales
85
Jumbo Loan Likely Needed
The median home in 92008 at $1,782,500 exceeds the 2026 conforming loan limit of $1,104,000 by $678,500. 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
92008's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 92008 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92008 at $1,782,500 exceeds the 2026 conforming loan limit of $1,104,000 by $678,500. 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 92008 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 92008
To purchase the median home at $1,782,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,807.
Monthly Payment
$13,807
Income Required
$591,726
Principal & Interest
$10,983/mo
Down Payment (5%)
$89,125
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 92008.
Estimated Monthly Payment
$11,182
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92008.
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