92082 — San Diego County, California Market Snapshot
Housing market data for zip code 92082 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$944,500
Days to Sell
44
Homes Sold
62
Inventory
75
Sale-to-List
98.8%
New Listings
95
Price/SqFt
$379
Pending Sales
72
Conforming Loan Available
The median home in 92082 at $944,500 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
92082's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 92082 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92082 at $944,500 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 92082 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 92082
To purchase the median home at $944,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,386.
Monthly Payment
$7,386
Income Required
$316,563
Principal & Interest
$5,820/mo
Down Payment (5%)
$47,225
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 92082.
Estimated Monthly Payment
$5,995
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 92082. Tell us what you're looking for.