ZIP Code 92102 — San Diego, California

The median home in 92102 is valued at $548,700 against a median household income of $68,900, 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, 92102 ranks 61 of 94 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.4. Renting takes 31.1% of median household income (median rent $1,783 a month), above the 30% cost-burden threshold.

92102 ranks 1,091 of 1,558 statewide on median household income and 872 of 1,558 on median home value; its income is below the $98,033 San Diego County median. 32% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 28% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 16.6%, far above the 10.8% statewide ZIP median. Unemployment stands at 8.4%.

With 8,900 residents per square mile across 4.5 square miles of land, 92102 is far denser than the statewide ZIP median of 1,120 (rank 201 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.