92109 — San Diego County, California Market Snapshot
Housing market data for zip code 92109 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$2,402,500
Days to Sell
28
Homes Sold
38
Inventory
32
Sale-to-List
96.5%
New Listings
54
Price/SqFt
$1,230
Pending Sales
43
Jumbo Loan Likely Needed
The median home in 92109 at $2,402,500 exceeds the 2026 conforming loan limit of $1,104,000 by $1,298,500. 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
Homes in 92109 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 92109 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 92109 at $2,402,500 exceeds the 2026 conforming loan limit of $1,104,000 by $1,298,500. 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 92109 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 92109
To purchase the median home at $2,402,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $18,557.
Monthly Payment
$18,557
Income Required
$795,308
Principal & Interest
$14,803/mo
Down Payment (5%)
$120,125
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 92109.
Estimated Monthly Payment
$15,019
Jumbo loan required. Loan amount exceeds the $1,104,000 conforming limit for 92109.
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