ZIP Code Market Report · Updated May 2026
Is 92101 a Buyer's
or Seller's Market?
📍 San Diego, California · CA
85
🔥 HOT
Seller's market — move fast
11 days avg on market · Tax rate: 1.09%/yr
Mortgage Breakdown — 92101
Median Price$950,000
20% Down$190,000
Loan Amount$760,000
Rate (~6.7%)$4,904/mo P&I
Property Tax$862/mo
Total PITI$6,161/mo
Income Needed$205,366/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
23.6%
of FHA applications denied in San Diego-Carlsbad, CA, 2025 · national 22.1%
CROSSCOUNTRY MORTGAGE, LLC
0.8% PENNYMAC LOAN SERVICES LLC
20.4% United Wholesale Mortgage
22.9% Lakeview Loan Servicing, LLC
56.9% A 56.1-point spread between the busiest FHA lenders in this metro.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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