92120 — San Diego County, California Market Snapshot
Housing market data for zip code 92120 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
90 sales in 2026 (year to date)
Median Sale Price
$1,001,000
Days to Sell
21
Homes Sold
90
Inventory
60
Sale-to-List
100.2%
New Listings
111
Price/SqFt
$658
Pending Sales
80
Conforming Loan Available
The median home in 92120 at $1,001,000 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
Homes in 92120 are moving quickly at 21 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 92120 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92120 at $1,001,000 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 92120 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 92120
To purchase the median home at $1,001,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,819.
Monthly Payment
$7,819
Income Required
$335,115
Principal & Interest
$6,168/mo
Down Payment (5%)
$50,050
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 92120.
Estimated Monthly Payment
$6,345
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