92113 — San Diego County, California Market Snapshot
Housing market data for zip code 92113 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$780,000
Days to Sell
29
Homes Sold
32
Inventory
39
Sale-to-List
98.8%
New Listings
53
Price/SqFt
$523
Pending Sales
48
Conforming Loan Available
Most homebuyers in 92113 can comfortably use conventional financing. The median home price of $780,000 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 92113 are moving quickly at 29 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 92113 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92113 can comfortably use conventional financing. The median home price of $780,000 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 92113 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 92113
To purchase the median home at $780,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,126.
Monthly Payment
$6,126
Income Required
$262,548
Principal & Interest
$4,806/mo
Down Payment (5%)
$39,000
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 92113.
Estimated Monthly Payment
$4,977
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