91978 — San Diego County, California Market Snapshot
Housing market data for zip code 91978 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$919,500
Days to Sell
28
Homes Sold
10
Inventory
5
Sale-to-List
99.1%
New Listings
12
Price/SqFt
$391
Pending Sales
12
Conforming Loan Available
The median home in 91978 at $919,500 falls within the 2026 conforming loan limit of $1,104,000, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 91978 are moving quickly at 28 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 91978 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 91978 at $919,500 falls within the 2026 conforming loan limit of $1,104,000, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 91978 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 91978
To purchase the median home at $919,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,195.
Monthly Payment
$7,195
Income Required
$308,354
Principal & Interest
$5,666/mo
Down Payment (5%)
$45,975
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 91978.
Estimated Monthly Payment
$5,841
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