92130 — San Diego County, California Market Snapshot
Housing market data for zip code 92130 in San Diego County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$856,500
Days to Sell
23
Homes Sold
20
Inventory
21
Sale-to-List
98.8%
New Listings
33
Price/SqFt
$824
Pending Sales
24
Conforming Loan Available
Most homebuyers in 92130 can comfortably use conventional financing. The median home price of $856,500 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
Homes in 92130 are moving quickly at 23 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 92130 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92130 can comfortably use conventional financing. The median home price of $856,500 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 92130 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 92130
To purchase the median home at $856,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,712.
Monthly Payment
$6,712
Income Required
$287,667
Principal & Interest
$5,277/mo
Down Payment (5%)
$42,825
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 92130.
Estimated Monthly Payment
$5,451
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