ZIP Code 92104 — San Diego, CA Home Prices (2026)

The typical home in ZIP 92104 (San Diego, California) is worth about $962,000 at roughly $753 per square foot — 4% more affordable than the San Diego median and 227% more expensive than the typical U.S. home.

$962,000

Typical home value

$753

Price per sq ft

#22 of 33

San Diego ZIPs by value

-4%

vs San Diego median

How 92104 compares

ZIP 92104 is a mid-priced ZIP code for San Diego: its typical home value of $962,000 ranks #22 of the 33 San Diego ZIP codes we track (the citywide range runs from $594,000 in 92108 to $2,922,000 in 92014). Per square foot it costs about $753, against $644 for San Diego as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 92104	$962,000	$753
San Diego, CA	$999,000	$644
California	$698,000	$455
United States	$294,000	$195

Home value by size in 92104

Using this ZIP’s rate of about $753 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	$753,000
1,500 sq ft	$1,129,500
2,000 sq ft	$1,506,000
2,500 sq ft	$1,882,500
3,000 sq ft	$2,259,000

Salary needed to buy a home in ZIP 92104

To buy the typical $962,000 home in ZIP 92104 with 20% down, you need a household income of roughly $262,000 a year (about $6,110 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $311,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$48,100	$7,590/mo	$325,000/yr
10% (+PMI)	$96,200	$7,260/mo	$311,000/yr
20%	$192,400	$6,110/mo	$262,000/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 92104

At about $753 per square foot, here is roughly how much home different budgets get you in ZIP 92104:

Budget	Approx. size	What that looks like locally
$500k	660 sq ft	below the local median — condos, smaller or older homes
$600k	800 sq ft	below the local median — condos, smaller or older homes
$750k	1000 sq ft	below the local median — condos, smaller or older homes
$1.00M	1330 sq ft	around the typical home here
$1.50M	1990 sq ft	above the median — larger homes or the pricier ZIPs

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 92104 home.

Estimate a specific home in 92104

The estimator below is pre-set to ZIP 92104 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All San Diego ZIP codes by home value

Where 92104 sits among San Diego’s 33 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	92014	$2,922,000	$1422
2	92037	$2,366,000	$1227
3	92130	$2,095,000	$850
4	92106	$1,813,000	$977
5	92127	$1,626,000	$691
6	92109	$1,499,000	$1136
7	92107	$1,495,000	$850
8	92131	$1,489,000	$629
9	92129	$1,359,000	$644
10	92117	$1,093,000	$741
11	92121	$1,093,000	$716
12	92122	$1,089,000	$716
13	92103	$1,073,000	$809
14	92124	$1,062,000	$588
15	92120	$1,043,000	$576
16	92110	$1,003,000	$643
17	92128	$999,000	$598
18	92126	$998,000	$659
19	92116	$993,000	$863
20	92119	$985,000	$527
21	92123	$967,000	$607
22	92104 (this page)	$962,000	$753
23	92111	$954,000	$592
24	92115	$858,000	$603
25	92114	$751,000	$533
26	92154	$747,000	$444
27	92102	$743,000	$700
28	92139	$742,000	$526
29	92101	$722,000	$709
30	92173	$699,000	$609
31	92105	$695,000	$573
32	92113	$660,000	$513
33	92108	$594,000	$587

ZIP 92104 home prices: frequently asked

What is the average home price in ZIP code 92104? +

The typical home in ZIP 92104 (San Diego, CA) is worth about $962,000 as of 2026. That is 4% more affordable than the San Diego median of $999,000 and 227% more expensive than the U.S. median of $294,000.

What is the price per square foot in 92104? +

About $753 per square foot in 92104, versus $644 across San Diego and $455 across California. At that rate a 1,500 sq ft home runs roughly $1,129,500 and a 2,500 sq ft home about $1,882,500.

What salary do you need to buy a house in ZIP 92104? +

For the typical $962,000 home in ZIP 92104, a household income of about $262,000 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 $311,000; with 5% down about $325,000.

Is 92104 an expensive ZIP code? +

Within San Diego, 92104 ranks #22 of 33 ZIP codes by typical home value, which makes it a mid-priced ZIP code for San Diego. Nationally it is relatively expensive.

See the full San Diego 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.