What household income does a typical home need in each San Diego County ZIP code? Set your down payment and rate, and the table recalculates the payment and the income it would take.
Home values are Zillow's typical home value for all homes in each ZIP code for Aug 2026, and the starting rate is the Freddie Mac weekly average. A typical value is a middle-of-the-market figure, not an asking price or an appraisal.
| 92173 San Ysidro | $685,876 | |||
|---|---|---|---|---|
| 91950 National City | $697,141 | |||
| 92101 Downtown San Diego | $711,892 | |||
| 92139 Paradise Hills (San Diego) | $740,122 | |||
| 92114 Encanto and Skyline (San Diego) | $745,791 | |||
| 92154 Ocean View Hills & Otay Mesa | $750,299 | |||
| 91945 Lemon Grove | $757,239 | |||
| 91977 Spring Valley | $764,136 | |||
| 92021 El Cajon | $776,540 | |||
| 91911 Chula Vista (south-central) | $780,358 | |||
| 91942 La Mesa | $810,069 | |||
| 92020 El Cajon | $829,816 | |||
| 91978 Spring Valley (Rancho San Diego area) | $833,403 | |||
| 91932 Imperial Beach | $835,561 | |||
| 91910 Chula Vista | $845,063 | |||
| 91915 Chula Vista (includes parts of Otay Ranch) | $848,035 | |||
| 92019 El Cajon | $877,900 | |||
| 91913 Chula Vista (includes parts of EastLake & Otay Ranch) | $901,942 | |||
| 91901 Alpine | $961,320 | |||
| 91935 Jamul | $1,015,218 | |||
| 91941 La Mesa | $1,021,327 | |||
| 92054 Oceanside | $1,117,702 | |||
| 91902 Bonita | $1,143,860 | |||
| 91914 Chula Vista (includes parts of EastLake) | $1,170,338 | |||
| 92010 Carlsbad | $1,281,559 | |||
| 92109 Pacific Beach (San Diego) | $1,461,768 | |||
| 92107 Ocean Beach (San Diego) | $1,478,518 | |||
| 92009 Carlsbad (La Costa area) | $1,566,109 | |||
| 92011 Carlsbad | $1,586,959 | |||
| 92008 Carlsbad | $1,789,827 | |||
| 92106 Point Loma (San Diego) | $1,806,460 | |||
| 92024 Encinitas | $1,868,169 | |||
| 92007 Cardiff (Encinitas) | $2,151,016 | |||
| 92075 Solana Beach | $2,216,170 | |||
| 92037 La Jolla (San Diego) | $2,336,101 | |||
| 92118 Coronado | $2,563,759 | |||
| 92014 Del Mar | $2,892,714 | |||
| 92067 Rancho Santa Fe | $4,759,830 |
Payment = principal and interest, property tax, homeowners insurance and mortgage insurance when the down payment is under 20%. HOA dues and special taxes such as Mello-Roos are not included, and a ZIP code mixes houses, condos and townhomes. Income needed = monthly payment x 12, divided by the share of income you choose. This is an estimate for planning, not a pre-approval, quote or advice.
Make it personal
Want the numbers for your own income, debts and savings? Try the affordability calculator, take the Home Strategy Quiz, or book a 15-minute call.
Sources: Zillow Research (ZHVI, all homes), Freddie Mac (30-year average rate).
Related reading
- Mortgage Payment Calculator — See your real monthly payment: principal, interest, taxes, insurance and HOA in one number.
- San Diego County Real Estate Market Reports by ZIP Code — Weekly buyer-versus-seller gauge and decade, year and month trends for San Diego County ZIP codes, from…
- How Much Home Can I Afford? — A quick, friendly estimate of the price range that fits your income, debts and savings.
- Refinance Break-Even Calculator — See how much a refinance could save each month, how long it takes to earn back the costs, and what it does to…