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
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $2,402,500 median-priced home in 92109 is $2,282,375. The 2026 conforming limit is $1,104,000. The limit applies to the loan amount, not the home price. The estimated base loan is $1,178,375 above the limit. A base loan at or below the limit would require at least 54.1% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 92109 is 28 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 92109 is 96.5%, or 3.5% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $2,402,500 median-priced home in 92109 is $2,282,375. The 2026 conforming limit is $1,104,000. The limit applies to the loan amount, not the home price. The estimated base loan is $1,178,375 above the limit. A base loan at or below the limit would require at least 54.1% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
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 the assumed 6.75% rate, the estimated monthly payment is approximately $19,508.
Monthly Payment
$19,508
Income Required
$836,065
Principal & Interest
$14,803/mo
Property Tax
$3,604/mo
Home Insurance
$150/mo
Estimated PMI
$951/mo
Down Payment (5%)
$120,125
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 92109.
Estimated Monthly Payment
$15,019
Above the conforming limit. The estimated loan amount exceeds the $1,104,000 limit for 92109. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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