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Cost of Living in ZIP 92109

Is it better to rent or buy in ZIP 92109? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

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Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$130,045
$2,540/mo

Median in area: $2,540

$1,311,844

Median in area: $1,311,844

$262,369

If you Rent

🔑
$2,688 /mo
Base Rent$2,540
Est. Utilities$148
% of Income24.8%
Pre-tax Residual$8,149

If you Buy

🏠
$7,828 /mo
P&I (6.972%)$6,962
Taxes & Ins$718
Est. Utilities$148
% of Income72.2%
Pre-tax Residual$3,009

Compare Nearby Areas

See how ZIP 92109 stacks up against neighboring areas.

ZIP92130
$3,373/mo
ZIP92147
$2,576/mo
ZIP92166
$2,020/mo
ZIP92106
$2,744/mo
ZIP92127
$2,785/mo
ZIP92107
$2,621/mo
ZIP92131
$3,379/mo
ZIP92167
$2,242/mo
ZIP92169
$2,538/mo

Cost of Living FAQs

Is it cheaper to rent or buy in ZIP 92109?›

Based on median housing data, renting is currently more affordable on a monthly basis in ZIP 92109. The estimated all-in monthly cost for renting is $2,688, while owning a median-priced home with a 20% down payment is roughly $7,828 per month (a difference of $5,140).

How much do utilities cost in ZIP 92109?›

The average monthly utility cost (electricity and natural gas) for a typical home in ZIP 92109 is approximately $148. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in ZIP 92109?›

To comfortably afford the median rent and utilities in ZIP 92109 without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $107,520 per year.