92135 — San Diego County, California Market Snapshot
Housing market data for zip code 92135 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the San Diego County county page for broader data.
Market Sales Data
1 sales in 2014
Median Sale Price
$1,199,900
Days to Sell
74
Homes Sold
1
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 92135 at $1,199,900 exceeds the 2026 conforming loan limit of $1,104,000 by $95,900. 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
With homes sitting for 74 days on average, 92135 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 92135 at $1,199,900 exceeds the 2026 conforming loan limit of $1,104,000 by $95,900. 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 92135 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 92135
To purchase the median home at $1,199,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,343.
Monthly Payment
$9,343
Income Required
$400,425
Principal & Interest
$7,393/mo
Down Payment (5%)
$59,995
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 92135.
Estimated Monthly Payment
$7,576
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