The story of this market
The typical home in ZIP 92107 sells for about $1,500,000, or $850 per square foot.
Prices are up +2.2% from a year ago, so sellers still have some momentum. Homes take about 43 days to sell. HUD's fair market rent for a two-bedroom is $3,200 a month.
ZIP 92107 — San Diego
The 92107 housing market remains resilient with high demand for coastal properties, though price growth has moderated compared to previous years. Inventory remains tight, keeping upward pressure on prices despite broader economic headwinds. Market conditions are currently balanced, reflecting a stable environment for both buyers and sellers.
This ZIP is ideal for professionals and families seeking a coastal lifestyle with proximity to downtown, though it is increasingly expensive for first-time buyers.
Median prices moved up 2.2% year over year.
Homes spend a median of 43 days on market with 4.5 months of supply — a fast-moving market.
43% of listings have cut prices · homes sell at 98.5% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 9.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 92107, San Diego County, CA
Crime rates in the Point Loma area are generally lower than the San Diego city average, with property crime being the primary concern for residents.
The area is served by the San Diego Unified School District, with schools generally receiving moderate to high ratings from local families.
The ZIP code faces moderate coastal flood risks and is subject to standard California wildfire insurance market conditions.
Economic momentum is driven by proximity to the San Diego International Airport, Naval Base Point Loma, and the ongoing revitalization of the Liberty Station mixed-use district.
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%). City (San Diego, California) — Community Facilities District (CFD) Special Taxes: Levies a special tax based on the Rate and Method of Apportionment (RMA) specific to the district. The tax is typically calculated based on property type and building square footage as established at the time of district formation.
Residents benefit from direct access to I-8 and I-5, providing a relatively efficient commute to downtown San Diego and major employment hubs.
The area features extensive coastal access including Sunset Cliffs Natural Park, Ocean Beach, and proximity to the San Diego Bay waterfront.
The rental market is highly competitive with low vacancy rates, driven by high demand from students and professionals working in the coastal San Diego area.
The local economy is anchored by the military, tourism, and the nearby San Diego International Airport, with a strong presence of small businesses and hospitality.
The area is served by major highway corridors and local bus routes, though most residents rely on personal vehicles for commuting.
Development is constrained by geography, with current planning focused on infill projects and the expansion of ADUs.
The San Diego County Assessor's office manages property valuations in accordance with state-mandated assessment cycles.
Parcels are subject to San Diego Unified School District taxes and various municipal utility district assessments.
Property insurance premiums are rising due to regional wildfire risk and coastal exposure, consistent with broader California market trends.
Data retrieved from Census Reporter and US Census Bureau ZCTA profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Iconic coastal cliffs and walking trails.
Former naval base converted into a major dining, shopping, and arts hub.
Popular surfing and recreational beach destination.
Deterministic aggregate of 1 researched property in this ZIP (latest reading each) — each property weighs one; per point, properties lacking the value are excluded. Property-level records (taxes, scores, permits) never roll individually.
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.