ZIP Code 92020 — El Cajon, California

The median home in 92020 is valued at $676,200 against a median household income of $71,400, a price-to-income ratio of 9.5. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within San Diego County, 92020 ranks 77 of 94 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.4. Renting takes 28.5% of median household income (median rent $1,695 a month), under the 30% cost-burden threshold.

92020 ranks 1,049 of 1,558 statewide on median household income and 650 of 1,558 on median home value; its income is below the $98,033 San Diego County median. 43% of households own their home, below the 64% statewide ZIP median, so most residents rent. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 15.9%, above the 10.8% statewide ZIP median. Unemployment stands at 8.6%.

With 5,385 residents per square mile across 11.1 square miles of land, 92020 is far denser than the statewide ZIP median of 1,120 (rank 418 of 1,558). This is predominantly single-family residential with suburban street patterns.