Chula Vista, California.
Typical home $845,328 (+1.3% in a year), asking rent $2,935 (+1.8%). San Diego-Chula Vista-Carlsbad, CA metro.
to buy the typical home at today's mortgage rate — +$2,417 (+120%) since Jan 2020.
- 1 year
- Up $11,099 +1%
- $834,228$845,328 since Sep 2025
- 5 years
- Up $145,442 +21%
- $699,885$845,328 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.
- Chula Vista$4,437
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Chula Vista, CA rose 1.3% over the past year — in step with the nation.
Asking rents in Chula Vista, CA rose 1.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in Chula Vista runs $2,883/mo more than renting one. The gap peaked at $3,110 in May 2024.
That is $5,818 a month against $2,935 rent: a $4,437 mortgage payment, plus $476 property tax and $905 insurance & upkeep.
Owning vs renting — Chula Vista
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$5,818
- Renting$2,935
- Mortgage only$4,437
Property tax · $476/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 · $905/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.
Living in Chula Vista, San Diego County, California
Chula Vista is a city of 275,487 people in San Diego County. Half its households earn more than $108,032 a year and half less, against $106,268 across San Diego County; 9% of its people live below the poverty line. 60% of its homes are lived in by their owners and 40% are rented. Unemployment in Chula Vista was 5.4% in August 2026, and San Diego County had 0.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Chula Vista is a large city in San Diego County, and household incomes here run a little above the county's. Most homes are lived in by their owners, though homes and rents both cost a good deal. Winters are mild and summers are warm, with little or no snow and not much rain across the year.
Work. Many residents work in schools, hospitals and social care, with others in professional and business services, shops, and restaurants, hotels and entertainment. Sweetwater Union High Schools, Chula Vista Elementary Schools and Sharp Chula Vista Medical Center are among the largest workplaces in the city. Many people commute to work, and a good number work from home.
Things to do. The Tijuana River and the Cerutti Mastodon site, a protected area, are both a short drive away. A longer drive brings you to Balboa Park and the San Diego Zoo, among the area's best-known places to spend a day.
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- 85,710households
- 33%of adults have a degree
- 9%below the poverty line
- 29 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. San Diego County had 1,535,067 jobs in 2025, 0.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 66° and lows near 46°; warmest in September, with highs near 77° and lows near 64°. About 9 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Chula Vista weather station, 4 miles away (NOAA).
Largest workplaces in Chula Vista
- Sweetwater Union High SchoolsSchool district3,109FTE
- Chula Vista Elementary SchoolsSchool district2,209FTE
- Sharp Chula Vista Medical CenterGeneral hospital2,093FTE
- City of Chula VistaExecutive offices, federal, state, and local1,572
- Southwestern CollegeTwo-year college1,455
- Sesame Place (SPC)Theme park1,287
- TransdevLocal transit system765
- Gaylord Pacific Resort & Convention CenterResort hotels without casinos700
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 101 workplaces with 20 or more staff, 14,763 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Earthquakesrelatively high in parts of Chula VistaRelatively moderate
- Inland floodingrelatively high in parts of Chula VistaRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Chula Vista’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on San Diego County and the San Diego-Chula Vista-Carlsbad, CA metro.
Chula Vista home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Chula Vista$845,328
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Chula Vista listings, and the typical home goes pending in 21 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Chula Vista27.89%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Chula Vista21
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Chula Vista402
New listings per month
Sellers arriving at the market.
- Chula Vista139
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Chula Vista$826,862
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Chula Vista100.20%
Zip codes with a Chula Vista address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Chula Vista — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Chula Vista
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 91911 | Chula Vista | 85,542 | $2,618 | $774,232 |
| 91910 | Chula Vista | 77,123 | $2,609 | $839,504 |
| 91913 | Chula Vista | 57,721 | $3,127 | $901,432 |
| 91915 | Chula Vista | 35,322 | $3,258 | $847,552 |
| 91914 | Chula Vista | 16,877 | $4,070 | $1,161,918 |