ZIP Code 92091 — Rancho Santa Fe, California

The median home in 92091 is valued at $1,584,200 against a median household income of $96,818, a price-to-income ratio of 16.4. That is far 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, which means a household earning the local median income cannot finance the local median home on conventional terms. Within San Diego County, 92091 ranks 94 of 94 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.4. Renting takes 43.4% of median household income (median rent $3,501 a month), above the 30% cost-burden threshold.

92091 ranks 615 of 1,558 statewide on median household income and 101 of 1,558 on median home value; its income is in line with the $98,033 San Diego County median. 85% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 67% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 11.3%, in line with the 10.8% statewide ZIP median. Unemployment stands at 8.4%.

With 991 residents per square mile across 1.3 square miles of land, 92091 is less dense than the statewide ZIP median of 1,120 (rank 798 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.