92128 — San Diego County, California Market Snapshot
Housing market data for zip code 92128 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
188 sales in 2026 (year to date)
Median Sale Price
$882,500
Days to Sell
20
Homes Sold
188
Inventory
132
Sale-to-List
99.0%
New Listings
261
Price/SqFt
$585
Pending Sales
201
Conforming Loan Available
Most homebuyers in 92128 can comfortably use conventional financing. The median home price of $882,500 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 92128 are moving quickly at 20 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 92128 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92128 can comfortably use conventional financing. The median home price of $882,500 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 92128 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 92128
To purchase the median home at $882,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,911.
Monthly Payment
$6,911
Income Required
$296,204
Principal & Interest
$5,438/mo
Down Payment (5%)
$44,125
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 92128.
Estimated Monthly Payment
$5,612
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