92054 — San Diego County, California Market Snapshot
Housing market data for zip code 92054 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$1,400,000
Days to Sell
26
Homes Sold
59
Inventory
27
Sale-to-List
98.5%
New Listings
73
Price/SqFt
$749
Pending Sales
62
Jumbo Loan Likely Needed
The median home in 92054 at $1,400,000 exceeds the 2026 conforming loan limit of $1,104,000 by $296,000. 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 92054 are moving quickly at 26 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 92054 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92054 at $1,400,000 exceeds the 2026 conforming loan limit of $1,104,000 by $296,000. 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 92054 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 92054
To purchase the median home at $1,400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,876.
Monthly Payment
$10,876
Income Required
$466,129
Principal & Interest
$8,626/mo
Down Payment (5%)
$70,000
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 92054.
Estimated Monthly Payment
$8,814
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92054.
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