Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$926,961+0.8% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$200,946About 1.8× the local median income ($108,754): hard to afford
Days on market48 daysAbout the same pace as a year ago
Next 12 months+0.9%Zillow expects prices to rise slightly
The typical home in San Diego-Chula Vista-Carlsbad, CA is worth $926,961, up 0.8% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $858,742, so the area is 7.9% overvalued. It is a balanced market, leaning toward buyers: homes take about 48 days to sell, listings are up 10% from a year ago, 20% of listings have had a price cut. Zillow expects prices to rise about 0.9% over the next year. A household needs about $200,946 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $108,754. Typical rent is $2,967 a month, or $4,121 for a house. In the latest IRS figures, 18,212 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$926,961
Change in 1 year
+0.8%
Overvalued %
+7.9%
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Fair home value
$858,742
Change in 5 years
+21.6%
Zillow forecast, next 12 months
+0.9%
Home value to income
8.5×
Monthly mortgage payment (20% down)
$5,024
Income needed to afford it
$200,946
Property tax rate
0.68%
Rent and investing
Typical rent
$2,967
Typical rent for houses
$4,121
Price-to-rent ratio
26.0×
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HUD Fair Market Rent, 2 bedrooms
$2,823
Gross rental yield
3.84%
Cap rate (estimate)
2.50%
Market activity
Listings vs a year ago
+9.7%
Days on market
48
Listings with a price cut
20.5%
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Homes for sale
5,735
Pending sales per 100 listings
33
Asking price per sq ft
$583
People and jobs
Median household income
$108,754
Population change (1 year)
−0.2%
Unemployment rate
6.1%
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Population
3,282,248
Income adjusted for cost of living
$97,189
Net moves in (IRS)
−18,212
Cost of living (US = 100)
111.9
Schools, risk and environment
School rating (1 to 10)
6.6
FEMA hazard risk score (0 to 100)
99.7
Unhealthy air days a year
33
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Flood risk score
99.7
Wildfire risk score
100.0
Walkability (1 to 20)
11.8
Road, rail and air noise
54 dB
Questions people ask
Is San Diego-Chula Vista-Carlsbad, CA overvalued?
Home prices in San Diego-Chula Vista-Carlsbad, CA are slightly above what local incomes have historically supported: fair value is about $858,742, so the area is 7.9% overvalued.
Is San Diego-Chula Vista-Carlsbad, CA a buyer's or seller's market?
San Diego-Chula Vista-Carlsbad, CA is a balanced market, leaning toward buyers: homes take about 48 days to sell, listings are up 10% from a year ago, 20% of listings have had a price cut.
Are home prices going down in San Diego-Chula Vista-Carlsbad, CA?
Home values in San Diego-Chula Vista-Carlsbad, CA are up 0.8% over the last year. Zillow's forecast for the next 12 months is +0.9%.
How much do you need to earn to buy a home in San Diego-Chula Vista-Carlsbad, CA?
A household needs about $200,946 a year to afford the typical home in San Diego-Chula Vista-Carlsbad, CA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $108,754.