The story of this market
The typical home in ZIP 92102 sells for about $655,000, or $714 per square foot.
Prices are down 4.4% from a year ago, which gives buyers more room to negotiate. Homes take about 26 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $2,300 a month.
ZIP 92102 — San Diego
The 92102 housing market is currently experiencing a cooling phase with a median sale price of $655,000, reflecting a 4.4% year-over-year decline. Market activity remains competitive but shows signs of buyer leverage, with homes selling near asking price and a median of 26 days on market.
The area is suitable for budget-conscious buyers and investors looking for entry-level opportunities in the San Diego market.
Median prices moved down 4.4% year over year.
Homes spend a median of 26 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 100% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 18.2% — a stable, low-distress profile.
versus the prior ACS vintage
ZCTA 92102, San Diego County CA
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
The rental market is characterized by a median asking rent of $2,300 with moderate pressure.
The local economy is integrated into the broader San Diego metro area, which is driven by defense, tourism, and biotechnology.
Data retrieved from data.census.gov ZCTA 92102 profiles.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Governs Villa Portofino
Planned unit development covenants requiring architectural review approval prior to exterior alterations, strict common-element parking rules, restrictions on short-term leasing, and pet limitation rules.
Governs La Jolla Colony
Architectural review guidelines governing exterior modifications, restrictions against public nuisances, designated vehicle parking regulations, pet policies, and residential leasing subject to association rules.
Governs Carmel Mountain Ranch
Standard master-planned residential restrictions including mandatory architectural review for modifications, restrictions against commercial business operations visible to the exterior, vehicle parking guidelines, and leasing compliance rules.
90-day research cycle · governing documents remain with their official custodians — the association, its management portal or the county clerk's recording.