92091 — San Diego County, California Market Snapshot
Housing market data for zip code 92091 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the San Diego County county page for broader data.
Market Sales Data
7 sales in 2026 (year to date)
Median Sale Price
$3,232,500
Days to Sell
41
Homes Sold
7
Inventory
14
Jumbo Loan Likely Needed
The median home in 92091 at $3,232,500 exceeds the 2026 conforming loan limit of $1,104,000 by $2,128,500. 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
92091's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 92091 at $3,232,500 exceeds the 2026 conforming loan limit of $1,104,000 by $2,128,500. 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 92091 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 92091
To purchase the median home at $3,232,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $24,916.
Monthly Payment
$24,916
Income Required
$1,067,845
Principal & Interest
$19,918/mo
Down Payment (5%)
$161,625
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 92091.
Estimated Monthly Payment
$20,155
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92091.
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