92075 — San Diego County, California Market Snapshot
Housing market data for zip code 92075 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$2,895,000
Days to Sell
13
Homes Sold
38
Inventory
46
Sale-to-List
99.7%
New Listings
71
Price/SqFt
$1,242
Pending Sales
37
Jumbo Loan Likely Needed
The median home in 92075 at $2,895,000 exceeds the 2026 conforming loan limit of $1,104,000 by $1,791,000. 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
92075 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 92075 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92075 at $2,895,000 exceeds the 2026 conforming loan limit of $1,104,000 by $1,791,000. 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 92075 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 92075
To purchase the median home at $2,895,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $22,331.
Monthly Payment
$22,331
Income Required
$957,024
Principal & Interest
$17,838/mo
Down Payment (5%)
$144,750
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 92075.
Estimated Monthly Payment
$18,067
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92075.
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