92104 — San Diego County, California Market Snapshot
Housing market data for zip code 92104 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$1,115,000
Days to Sell
19
Homes Sold
37
Inventory
24
Sale-to-List
101.0%
New Listings
54
Price/SqFt
$1,000
Pending Sales
43
Jumbo Loan Likely Needed
The median home in 92104 at $1,115,000 exceeds the 2026 conforming loan limit of $1,104,000 by $11,000. 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 92104 are moving quickly at 19 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 92104 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92104 at $1,115,000 exceeds the 2026 conforming loan limit of $1,104,000 by $11,000. 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 92104 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 92104
To purchase the median home at $1,115,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,693.
Monthly Payment
$8,693
Income Required
$372,548
Principal & Interest
$6,870/mo
Down Payment (5%)
$55,750
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 92104.
Estimated Monthly Payment
$7,051
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