ZIP Code 92057 — Oceanside, CA Home Prices (2026)
The typical home in ZIP 92057 (Oceanside, California) is worth about $816,000 at roughly $481 per square foot — 3% more affordable than the Oceanside median and 178% more expensive than the typical U.S. home.
How 92057 compares
ZIP 92057 is one of the more affordable ZIP codes in Oceanside: its typical home value of $816,000 ranks #3 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 $481, against $517 for Oceanside as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 92057 | $816,000 | $481 |
| Oceanside, CA | $844,500 | $517 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 92057
Using this ZIP’s rate of about $481 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 | $481,000 |
| 1,500 sq ft | $721,500 |
| 2,000 sq ft | $962,000 |
| 2,500 sq ft | $1,202,500 |
| 3,000 sq ft | $1,443,000 |
Salary needed to buy a home in ZIP 92057
To buy the typical $816,000 home in ZIP 92057 with 20% down, you need a household income of roughly $222,000 a year (about $5,180 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $264,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $40,800 | $6,440/mo | $276,000/yr |
| 10% (+PMI) | $81,600 | $6,150/mo | $264,000/yr |
| 20% | $163,200 | $5,180/mo | $222,000/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 92057
At about $481 per square foot, here is roughly how much home different budgets get you in ZIP 92057:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 830 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1040 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1250 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1560 sq ft | around the typical home here |
| $1.00M | 2080 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 92057 home.
Estimate a specific home in 92057
The estimator below is pre-set to ZIP 92057 — 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 92057 sits among Oceanside’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 92054 | $1,108,000 | $893 |
| 2 | 92056 | $873,000 | $551 |
| 3 | 92057 (this page) | $816,000 | $481 |
| 4 | 92058 | $782,000 | $482 |
ZIP 92057 home prices: frequently asked
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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.