92127 — San Diego County, California Market Snapshot
Housing market data for zip code 92127 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$535,000
Days to Sell
42
Homes Sold
27
Inventory
18
Sale-to-List
99.0%
New Listings
32
Price/SqFt
$564
Pending Sales
27
Conforming Loan Available
Most homebuyers in 92127 can comfortably use conventional financing. The median home price of $535,000 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
92127's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 92127 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92127 can comfortably use conventional financing. The median home price of $535,000 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 92127 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 92127
To purchase the median home at $535,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,249.
Monthly Payment
$4,249
Income Required
$182,100
Principal & Interest
$3,297/mo
Down Payment (5%)
$26,750
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 92127.
Estimated Monthly Payment
$3,461
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