92014 — San Diego County, California Market Snapshot
Housing market data for zip code 92014 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$2,975,000
Days to Sell
21
Homes Sold
46
Inventory
44
Sale-to-List
98.5%
New Listings
69
Price/SqFt
$1,459
Pending Sales
48
Jumbo Loan Likely Needed
The median home in 92014 at $2,975,000 exceeds the 2026 conforming loan limit of $1,104,000 by $1,871,000. 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 92014 are moving quickly at 21 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 92014 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92014 at $2,975,000 exceeds the 2026 conforming loan limit of $1,104,000 by $1,871,000. 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 92014 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 92014
To purchase the median home at $2,975,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $22,944.
Monthly Payment
$22,944
Income Required
$983,293
Principal & Interest
$18,331/mo
Down Payment (5%)
$148,750
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 92014.
Estimated Monthly Payment
$18,562
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92014.
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