92101 — San Diego County, California Market Snapshot
Housing market data for zip code 92101 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
140 sales in 2026 (year to date)
Median Sale Price
$750,000
Days to Sell
60
Homes Sold
140
Inventory
340
Sale-to-List
97.2%
New Listings
311
Price/SqFt
$700
Pending Sales
149
Conforming Loan Available
Most homebuyers in 92101 can comfortably use conventional financing. The median home price of $750,000 is well below the 2026 conforming loan limit of $1,104,000, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 60 days on average, 92101 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 92101 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92101 can comfortably use conventional financing. The median home price of $750,000 is well below the 2026 conforming loan limit of $1,104,000, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 92101 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 92101
To purchase the median home at $750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,896.
Monthly Payment
$5,896
Income Required
$252,697
Principal & Interest
$4,621/mo
Down Payment (5%)
$37,500
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 92101.
Estimated Monthly Payment
$4,792
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