92123 — San Diego County, California Market Snapshot
Housing market data for zip code 92123 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,037,000
Days to Sell
19
Homes Sold
24
Inventory
12
Sale-to-List
100.4%
New Listings
33
Price/SqFt
$712
Pending Sales
31
Conforming Loan Available
The median home in 92123 at $1,037,000 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 92123 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 92123 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92123 at $1,037,000 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 92123 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 92123
To purchase the median home at $1,037,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,095.
Monthly Payment
$8,095
Income Required
$346,935
Principal & Interest
$6,390/mo
Down Payment (5%)
$51,850
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 92123.
Estimated Monthly Payment
$6,568
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