91902 — San Diego County, California Market Snapshot
Housing market data for zip code 91902 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$1,227,500
Days to Sell
23
Homes Sold
30
Inventory
18
Sale-to-List
99.5%
New Listings
38
Price/SqFt
$558
Pending Sales
30
Jumbo Loan Likely Needed
The median home in 91902 at $1,227,500 exceeds the 2026 conforming loan limit of $1,104,000 by $123,500. 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
Homes in 91902 are moving quickly at 23 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 91902 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 91902 at $1,227,500 exceeds the 2026 conforming loan limit of $1,104,000 by $123,500. 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 91902 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 91902
To purchase the median home at $1,227,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,555.
Monthly Payment
$9,555
Income Required
$409,488
Principal & Interest
$7,563/mo
Down Payment (5%)
$61,375
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 91902.
Estimated Monthly Payment
$7,747
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