92128
San Diego, California.
San Diego, San Diego County, CA · San Diego-Chula Vista-Carlsbad, CA metro · population 48,992
to buy the typical home at today's mortgage rate — +$2,827 (+120%) since Jan 2020.
- 1 year
- Down $17,500 -2%
- $1,003,313$985,813 since Sep 2025
- 5 years
- Up $176,064 +22%
- $809,749$985,813 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 92128$5,174
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in zip 92128 fell 1.7% over the past year — slower than the nation's +1.2%.
Asking rents in zip 92128 rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 92128 runs $3,725/mo more than renting one. The gap peaked at $4,392 in Jan 2025.
That is $6,785 a month against $3,060 rent: a $5,174 mortgage payment, plus $555 property tax and $1,055 insurance & upkeep.
Owning vs renting — zip 92128
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$6,785
- Renting$3,060
- Mortgage only$5,174
Property tax · $555/mo 0.68% of value a year — the ACS 2020-2024 median bill over the median home value for San Diego County, CA
Insurance & upkeep · $1,055/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: San Diego, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 92128
Against the San Diego-Chula Vista-Carlsbad, CA metro and the national benchmark.
- 92128$3,060
- San Diego$2,967
- United States$1,932
Typical home value — 92128
Mid-tier homes, smoothed and seasonally adjusted.
- 92128$985,813
- San Diego$926,961
- United States$366,157
Within 20 miles
Showing 30 of 55 zips in range — sorting picks from all 55.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.3 | 92127 | San Diego | 50,555 | $3,762 | $1,592,977 |
| 3.4 | 92064 | Poway | 48,683 | $3,325 | $1,209,487 |
| 3.8 | 92129 | San Diego | 52,965 | $3,567 | $1,322,444 |
| 6.6 | 92025 | Escondido | 49,989 | $2,580 | $832,657 |
| 6.9 | 92029 | Escondido | 20,726 | $2,915 | $1,182,645 |
| 7.0 | 92131 | San Diego | 35,503 | $3,589 | $1,452,308 |
| 7.1 | 92067 | Rancho Santa Fe | 7,938 | $10,132 | $4,791,113 |
| 7.1 | 92126 | San Diego | 76,059 | $3,044 | $979,735 |
| 7.6 | 92091 | Rancho Santa Fe | 972 | — | $3,355,696 |
| 8.4 | 92130 | San Diego | 60,768 | $4,198 | $2,068,083 |
| 10.2 | 92121 | San Diego | 3,974 | $3,835 | $1,050,574 |
| 10.4 | 92014 | Del Mar | 13,105 | $6,055 | $2,879,441 |
| 10.6 | 92078 | San Marcos | 53,605 | $3,520 | $1,040,245 |
| 10.7 | 92027 | Escondido | 54,113 | $2,354 | $774,032 |
| 10.8 | 92075 | Solana Beach | 11,944 | $5,646 | $2,209,219 |
| 11.1 | 92071 | Santee | 59,590 | $2,853 | $799,773 |
| 11.4 | 92024 | Encinitas | 50,617 | $4,249 | $1,869,810 |
| 11.7 | 92124 | San Diego | 30,474 | $2,986 | $1,042,605 |
| 11.8 | 92007 | Cardiff By The Sea | 11,100 | $4,454 | $2,154,287 |
| 12.1 | 92009 | Carlsbad | 44,739 | $3,662 | $1,561,674 |
| 12.4 | 92040 | Lakeside | 46,216 | $2,384 | $811,479 |
| 12.5 | 92122 | San Diego | 45,411 | $3,285 | $1,055,706 |
| 13.2 | 92119 | San Diego | 24,456 | $2,456 | $967,965 |
| 13.3 | 92069 | San Marcos | 47,335 | $3,066 | $892,568 |
| 13.4 | 92123 | San Diego | 33,041 | $3,197 | $944,353 |
| 13.7 | 92065 | Ramona | 36,752 | $2,515 | $806,608 |
| 13.9 | 92120 | San Diego | 31,915 | $2,700 | $1,021,265 |
| 14.0 | 92117 | San Diego | 52,275 | $2,716 | $1,074,166 |
| 14.3 | 92111 | San Diego | 45,249 | $3,059 | $934,294 |
| 14.4 | 92037 | La Jolla | 40,717 | $3,925 | $2,349,327 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.