ZIP Code 92078 — San Marcos, California

The median home in 92078 is valued at $787,600 against a median household income of $107,894, a price-to-income ratio of 7.3. 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, 92078 ranks 44 of 94 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.4. Renting takes 25.3% of median household income (median rent $2,274 a month), under the 30% cost-burden threshold.

92078 ranks 477 of 1,558 statewide on median household income and 506 of 1,558 on median home value; its income is above the $98,033 San Diego County median. 70% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 48% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 8.0%, below the 10.8% statewide ZIP median. Unemployment stands at 4.1%.

With 3,175 residents per square mile across 16.7 square miles of land, 92078 is far denser than the statewide ZIP median of 1,120 (rank 585 of 1,558). This is predominantly single-family residential with suburban street patterns.