Ramona, California.
Typical home $806,496 (+0.8% in a year), asking rent $2,515 (+2.9%). San Diego-Chula Vista-Carlsbad, CA metro.
to buy the typical home at today's mortgage rate — +$2,192 (+107%) since Jan 2020.
- 1 year
- Up $6,198 +1%
- $800,299$806,496 since Sep 2025
- 5 years
- Up $102,036 +14%
- $704,460$806,496 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.
- Ramona$4,233
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in Ramona, CA rose 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Ramona, CA rose 2.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Ramona runs $3,036/mo more than renting one. The gap peaked at $3,410 in Jun 2024.
That is $5,551 a month against $2,515 rent: a $4,233 mortgage payment, plus $454 property tax and $863 insurance & upkeep.
Owning vs renting — Ramona
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$5,551
- Renting$2,515
- Mortgage only$4,233
Property tax · $454/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 · $863/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 Ramona, San Diego County, California
Ramona, in San Diego County, had 21,468 people in the 2020 census. Half its households earn more than $107,427 a year and half less, against $106,268 across San Diego County; 6% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in San Diego County was 4.9% in August 2026, and the county had 0.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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. Ramona is a community where most homes are lived in by their owners, and where household incomes run a little above the county's. Poverty is less common than you might expect, and the typical home is expensive while rents are high too. Winters are mild and cool, with December the coldest month, and summers turn hot by August; the year brings only modest rain and melted snow.
Work. Many residents work in schools, hospitals and social care, in restaurants, hotels and entertainment, and in the building trades. Among the largest workplaces in Ramona are Ramona City Unified, the school district, along with the Forest Service and Albertsons. Commutes are long, a good number of people work from home, and jobs across San Diego County have slipped slightly from the year before.
Things to do. The nearest big outing is San Diego Zoo Safari Park, a zoo a short drive away. Farther afield, a longer drive reaches Balboa Park, a large city park, and Legoland California, an amusement park. Those who like art can visit the San Diego Museum of Art, also a longer drive away.
Report a mistake
- 7,336households
- 25%of adults have a degree
- 6%below the poverty line
- 35 mintypical commute
- 12%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 36°; warmest in August, with highs near 91° and lows near 59°. About 15 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ramona Airport weather station, 2 miles away (NOAA).
Largest workplaces in Ramona
- Ramona City UnifiedSchool district558FTE
- Pro Energy Services GroupUtility line, construction409
- Forest ServiceFederal government · Department of Agriculture117
- AlbertsonsSupermarkets and other grocery stores111
- Famous Ramona WaterSpring waters, purifying and bottling66
- Burch ConstructionDrywall contractors59
- Ramona Municipal Water DistrictWater treatment and distribution53
- R.A. Burch Construction CoCommercial building construction general contractors50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 865 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); 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
- WildfireVery high
- Inland floodingRelatively high
- EarthquakesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ramona’s census tracts, against the rest of the country; all of them together, relatively high. 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.
Ramona home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ramona$806,496
- California$761,538
- United States$366,157
Sellers are cutting prices on about 1 in 3 Ramona listings, and the typical home goes pending in 25 days — the market is roughly in balance.
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.
- Ramona30.85%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ramona25
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ramona152
New listings per month
Sellers arriving at the market.
- Ramona44
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ramona$821,678
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ramona99.83%
Zip codes with a Ramona address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ramona — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.