92173 — San Diego County, California Market Snapshot
Housing market data for zip code 92173 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$595,000
Days to Sell
15
Homes Sold
14
Inventory
16
Sale-to-List
96.8%
New Listings
24
Price/SqFt
$479
Pending Sales
19
Conforming Loan Available
Most homebuyers in 92173 can comfortably use conventional financing. The median home price of $595,000 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 92173 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 92173 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92173 can comfortably use conventional financing. The median home price of $595,000 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 92173 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 92173
To purchase the median home at $595,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,709.
Monthly Payment
$4,709
Income Required
$201,801
Principal & Interest
$3,666/mo
Down Payment (5%)
$29,750
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 92173.
Estimated Monthly Payment
$3,832
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