ZIP Code 92103 — San Diego, California

The median home in 92103 is valued at $912,900 against a median household income of $94,210, a price-to-income ratio of 9.7. 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, 92103 ranks 79 of 94 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.4. Renting takes 24.2% of median household income (median rent $1,900 a month), under the 30% cost-burden threshold.

92103 ranks 658 of 1,558 statewide on median household income and 382 of 1,558 on median home value; its income is in line with the $98,033 San Diego County median. 36% of households own their home, below the 64% statewide ZIP median, so most residents rent. 64% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 7.9%, below the 10.8% statewide ZIP median. Unemployment stands at 4.1%.

With 9,269 residents per square mile across 3.7 square miles of land, 92103 is far denser than the statewide ZIP median of 1,120 (rank 184 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.