The story of this market
The typical home in ZIP 92131 sells for about $1,400,000, or $641 per square foot.
Prices are up +3.6% from a year ago, so sellers still have some momentum. Homes take about 9 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $3,382 a month.
ZIP 92131 — San Diego
The 92131 housing market remains highly competitive with a median listing price of $1.4M, driven by low inventory and high demand for family-oriented housing. While sales volume is modest, the market maintains a strong sale-to-list ratio, reflecting sustained buyer interest in this affluent San Diego enclave. Some figures, such as specific property tax history and detailed permit counts, were not available at the ZIP level and are omitted.
This ZIP is ideal for established families and professionals seeking a suburban environment with high-quality schools and proximity to major tech and biotech employment centers.
Median prices moved up 3.6% year over year.
Homes spend a median of 9 days on market with 4.8 months of supply — a fast-moving market.
40% of listings have cut prices · homes sell at 100% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 2.0% — 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 8.9%/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 8.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 92131, San Diego County CA
The area is served by highly-rated schools within the San Diego Unified School District, known for strong academic performance.
The area faces standard Southern California wildfire risks and is subject to regional insurance market adjustments.
Scripps Ranch is a mature, affluent residential community with limited new development, primarily focused on infill and residential maintenance.
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%). County (San Diego County, California) — Secured Property Tax Lien: Taxes attach to the property as a lien on January 1st (Lien Date) each year. Failure to pay can result in the sale of the property to satisfy the tax obligation. County (San Diego County, California) — Ad Valorem Property Tax (Proposition 13): The base tax rate is 1% of the assessed value, plus voter-approved debt service rates.
Residents typically commute via I-15, providing direct access to major employment hubs in Downtown San Diego and Sorrento Valley.
The area features extensive access to Miramar Lake, numerous community parks, hiking trails, and proximity to local shopping centers.
The rental market is stable with high demand for multi-family units, though inventory remains constrained.
The local economy is anchored by proximity to the Sorrento Valley tech corridor and major defense and biotech employers in San Diego.
Primary transit is via the I-15 corridor; public transit options are limited compared to the urban core.
Development is largely restricted to residential infill and minor commercial upgrades.
San Diego County Assessor manages property valuations based on Proposition 13 guidelines.
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 exposure.
Data retrieved from Census Bureau and Data Commons.
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.
Popular destination for fishing, boating, and a 5-mile walking trail.
Central community hub with sports fields and playgrounds.
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.