92036 — San Diego County, California Market Snapshot
Housing market data for zip code 92036 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$520,000
Days to Sell
100
Homes Sold
20
Inventory
35
Sale-to-List
98.2%
New Listings
30
Price/SqFt
$377
Pending Sales
25
Conforming Loan Available
Most homebuyers in 92036 can comfortably use conventional financing. The median home price of $520,000 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
With homes sitting for 100 days on average, 92036 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 92036 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92036 can comfortably use conventional financing. The median home price of $520,000 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 92036 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 92036
To purchase the median home at $520,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,134.
Monthly Payment
$4,134
Income Required
$177,174
Principal & Interest
$3,204/mo
Down Payment (5%)
$26,000
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 92036.
Estimated Monthly Payment
$3,368
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