Oceanside, California.
Typical home $865,182 (+1.6% in a year), asking rent $2,910 (+1.9%). San Diego-Chula Vista-Carlsbad, CA metro.
to buy the typical home at today's mortgage rate — +$2,569 (+130%) since Jan 2020.
- 1 year
- Up $13,991 +2%
- $851,191$865,182 since Sep 2025
- 5 years
- Up $174,396 +25%
- $690,786$865,182 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.
- Oceanside$4,541
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Oceanside, CA rose 1.6% over the past year — faster than the nation's +1.2%.
Asking rents in Oceanside, CA rose 1.9% over the past year — slower than the nation's +2.7%.
Owning the typical home in Oceanside runs $3,045/mo more than renting one. The gap peaked at $3,326 in May 2024.
That is $5,954 a month against $2,910 rent: a $4,541 mortgage payment, plus $487 property tax and $926 insurance & upkeep.
Owning vs renting — Oceanside
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$5,954
- Renting$2,910
- Mortgage only$4,541
Property tax · $487/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 · $926/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 Oceanside, San Diego County, California
Oceanside is a city of 174,068 people in San Diego County. Half its households earn more than $97,737 a year and half less, against $106,268 across San Diego County; 8% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in Oceanside was 5.0% 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 24 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. Oceanside is a large coastal city in San Diego County, and its people are somewhat younger than in many American towns. Incomes run a little below the county's, and homes cost a good deal, so renting is common, with fewer households owning their homes than in much of the country. Winters are mild and summers are warm without being hot, and rain is light through the year.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in manufacturing and in shops. Among the largest workplaces in Oceanside are Oceanside Unified, the school district, the City of Oceanside and Walmart. Many people drive a fair way to work, and a good number work from home.
Things to do. The coast is close by, with Carlsbad State Beach a short drive away and the California Surf Museum, also a short drive, telling the story of the sport. Families can reach Legoland California, an amusement park, in a short drive, while the San Diego Zoo Safari Park is a longer drive inland.
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- 61,947households
- 36%of adults have a degree
- 8%below the poverty line
- 29 mintypical commute
- 16%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 February, with highs near 66° and lows near 42°; warmest in August, with highs near 78° and lows near 62°. About 12 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Oceanside Municipal Airport weather station, 2 miles away (NOAA).
Largest workplaces in Oceanside
- Oceanside UnifiedSchool district1,557FTE
- City of Oceanside1,329
- Suja LifeFruit juice concentrates, frozen, manufacturing575
- Kellermeyer Bergensons Services. LLC - OceansideJanitorial services517
- WalmartWarehouse clubs and supercenters374
- car sound exhaustExhaust and tail pipes, automotive, truck, and bus, manufacturing286
- WalmartWarehouse clubs and supercenters282
- HyattSando277
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 80 workplaces with 20 or more staff, 9,786 people in all. School districts come from the Common Core of Data (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 moderate
- Inland floodingrelatively high in parts of OceansideRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oceanside’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.
Oceanside home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oceanside$865,182
- 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 Oceanside listings, and the typical home goes pending in 23 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.
- Oceanside27.26%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Oceanside23
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oceanside463
New listings per month
Sellers arriving at the market.
- Oceanside157
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Oceanside$870,738
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Oceanside99.53%
Zip codes with a Oceanside address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oceanside — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Oceanside
| 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 |
|---|---|---|---|---|
| 92057 | Oceanside | 56,835 | $2,997 | $805,230 |
| 92056 | Oceanside | 53,616 | $2,827 | $859,750 |
| 92058 | Oceanside | 49,834 | $2,766 | $787,354 |
| 92054 | Oceanside | 38,417 | $2,990 | $1,117,128 |