ZIP Code 92021 — El Cajon, California

The median home in 92021 is valued at $545,600 against a median household income of $68,093, a price-to-income ratio of 8.0. 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, 92021 ranks 64 of 94 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.4. Renting takes 30.3% of median household income (median rent $1,721 a month), above the 30% cost-burden threshold.

92021 ranks 1,112 of 1,558 statewide on median household income and 878 of 1,558 on median home value; its income is below the $98,033 San Diego County median. 52% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 17.4%, far above the 10.8% statewide ZIP median. Unemployment stands at 7.3%.

With 2,487 residents per square mile across 28 square miles of land, 92021 is far denser than the statewide ZIP median of 1,120 (rank 655 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.