ZIP Code 92056 — Oceanside, CA Home Prices (2026)

The typical home in ZIP 92056 (Oceanside, California) is worth about $873,000 at roughly $551 per square foot — 3% more expensive than the Oceanside median and 197% more expensive than the typical U.S. home.

$873,000

Typical home value

$551

Price per sq ft

#2 of 4

Oceanside ZIPs by value

+3%

vs Oceanside median

How 92056 compares

ZIP 92056 is one of the pricier ZIP codes in Oceanside: its typical home value of $873,000 ranks #2 of the 4 Oceanside ZIP codes we track (the citywide range runs from $782,000 in 92058 to $1,108,000 in 92054). Per square foot it costs about $551, against $517 for Oceanside as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 92056	$873,000	$551
Oceanside, CA	$844,500	$517
California	$698,000	$455
United States	$294,000	$195

Home value by size in 92056

Using this ZIP’s rate of about $551 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$551,000
1,500 sq ft	$826,500
2,000 sq ft	$1,102,000
2,500 sq ft	$1,377,500
3,000 sq ft	$1,653,000

Salary needed to buy a home in ZIP 92056

To buy the typical $873,000 home in ZIP 92056 with 20% down, you need a household income of roughly $238,000 a year (about $5,540 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $282,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$43,700	$6,890/mo	$295,000/yr
10% (+PMI)	$87,300	$6,580/mo	$282,000/yr
20%	$174,600	$5,540/mo	$238,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 92056

At about $551 per square foot, here is roughly how much home different budgets get you in ZIP 92056:

Budget	Approx. size	What that looks like locally
$400k	730 sq ft	below the local median — condos, smaller or older homes
$500k	910 sq ft	below the local median — condos, smaller or older homes
$600k	1090 sq ft	below the local median — condos, smaller or older homes
$750k	1360 sq ft	around the typical home here
$1.00M	1810 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 92056 home.

Estimate a specific home in 92056

The estimator below is pre-set to ZIP 92056 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Oceanside ZIP codes by home value

Where 92056 sits among Oceanside’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	92054	$1,108,000	$893
2	92056 (this page)	$873,000	$551
3	92057	$816,000	$481
4	92058	$782,000	$482

ZIP 92056 home prices: frequently asked

What is the average home price in ZIP code 92056? +

The typical home in ZIP 92056 (Oceanside, CA) is worth about $873,000 as of 2026. That is 3% more expensive than the Oceanside median of $844,500 and 197% more expensive than the U.S. median of $294,000.

What is the price per square foot in 92056? +

About $551 per square foot in 92056, versus $517 across Oceanside and $455 across California. At that rate a 1,500 sq ft home runs roughly $826,500 and a 2,500 sq ft home about $1,377,500.

What salary do you need to buy a house in ZIP 92056? +

For the typical $873,000 home in ZIP 92056, a household income of about $238,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $282,000; with 5% down about $295,000.

Is 92056 an expensive ZIP code? +

Within Oceanside, 92056 ranks #2 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Oceanside. Nationally it is relatively expensive.

See the full Oceanside home values page, all California cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.