92021 — San Diego County, California Market Snapshot
Housing market data for zip code 92021 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$776,000
Days to Sell
24
Homes Sold
94
Inventory
71
Sale-to-List
100.6%
New Listings
143
Price/SqFt
$497
Pending Sales
116
Conforming Loan Available
Most homebuyers in 92021 can comfortably use conventional financing. The median home price of $776,000 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
Homes in 92021 are moving quickly at 24 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 92021 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92021 can comfortably use conventional financing. The median home price of $776,000 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 92021 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 92021
To purchase the median home at $776,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,095.
Monthly Payment
$6,095
Income Required
$261,234
Principal & Interest
$4,781/mo
Down Payment (5%)
$38,800
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 92021.
Estimated Monthly Payment
$4,953
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