Safe Rate Local
Learn about the people, housing, costs and businesses in 92131
Select a topic to explore real data for ZIP 92131.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 92131.
Estimate payments for homes in 92131.
People, housing & businesses in 92131.
Find and compare lenders active near 92131.
Homeowners, flood & wildfire estimates for 92131.
Income, rent and all-in ownership costs for 92131.
FEMA flood zones and flood insurance estimates for 92131.
Seismic risk and earthquake insurance estimates for 92131.
Wildfire exposure and insurance estimates for 92131.
As of today, the 30-year fixed mortgage rate for ZIP code 92131 is approximately 6.506% (6.516% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 92131The median home value in ZIP code 92131 is $1.2M. The median monthly rent is $3,379. Annual property taxes average $9k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 92131 have increased 17.4% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $3,212/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $138k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 92131 is $194k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 92131 are healthcare (24%) and arts, food, and hospitality (22%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Other ZIP codes in SAN DIEGO