The Gold Standard Edition · Monthly · San Diego County

San Diego Real Estate Market Report: October 2026

  • Straight from San Diego MLS data
  • 50 neighborhoods, updated monthly
  • Prepared by the 2026 MLS President

By Jeff Brick, 2026 President, San Diego Multiple Listing Service · Updated November 9, 2026

Quick answer: San Diego County’s median single-family price was $1,065,000 in October 2026, up 6.5% from a year earlier, with just 2.6 months of supply. Condos and townhomes held near $658,000 with 4 months of supply, giving buyers more room. The 30-year fixed rate averaged 7.18% (Freddie Mac, week of November 5, 2026).

San Diego County at a glance

October 2026 closed sales, San Diego County. Change is year over year.

$1,065,000Single-family median+6.5%
$658,000Condo / townhome median−0.2%
1,038Single-family homes sold−24.1%
575Condos / townhomes sold−21.3%
39Median days on market (houses)−7.1%
46Median days on market (condos)+4.5%
2.6Months of supply (houses)Seller's market
4Months of supply (condos)Balanced market
1,630New listings (houses)−11.4%
1,091New listings (condos)−12.2%

Source: San Diego MLS via SDAR Monthly Indicators, October 2026.

Jeff’s take: Single-family homes are still scarce across most of San Diego, with many neighborhoods under three months of inventory, so well-priced houses keep selling quickly. Condos are a different story: more supply and more room to negotiate in most areas. Rates above 7% make payment planning the first step for buyers.

What it costs to own in San Diego

Estimated monthly cost of a median-priced home in October 2026 with 20% down and a 30-year fixed loan at 7.18% (Freddie Mac, week of November 5, 2026).

per month on a median
Principal and interest Property tax Insurance
Own vs. rent, per month
Own
Rent
Income neededHousing at 28% of gross income
Down payment (20%)

How these are estimated. Property tax: purchase price times the 2025-26 San Diego County tax rate (1.25114% in the core City of San Diego, about 1.15% in most other areas), plus any Mello-Roos or special assessments, which are common in newer communities. Source: San Diego County tax rate book. Insurance: the California average premium of $1,750 a year (Insurance Information Institute, via KPBS); homes in high fire hazard zones often pay much more, so check the CAL FIRE map and get a quote before you write an offer. Income needed assumes housing costs at 28% of gross income. Estimates only, not a loan offer. Featured lender: Jon Nalbandian of ARBOR Financial Group (866-521-6488, NMLS #236669). You are always free to choose any lender.

Buyer’s or seller’s market? Neighborhood by neighborhood

Months of inventory is how long today’s listings would last at the current pace of sales. Under 3 months favors sellers, 3 to 6 is balanced, and over 6 favors buyers.

Every area on one line

Each dot is a market area, placed by months of supply for houses. Tap a dot to open it in the explorer below.

Seller's · under 3 moBalanced · 3 to 6Buyer's · 6+

Median single-family price by neighborhood

October 2026 closed sales from the San Diego MLS. Each bubble is a market area, placed by its median house price; bigger bubbles sold more homes. Drag your budget to see what fits.

Color by

Just want the numbers? Show every area as a list
Rancho Santa Fe (92067)$5.27M −9%
Del Mar Heights / Torrey Pines / Del Mar (92014)$4.3M −3%
Coronado (92118)$3.85M 0%
La Jolla (92037)$3.83M +16%
Carmel Valley (92130)$2.86M +30%
Pacific Beach / Mission Beach (92109)$2.62M +17%
Encinitas (Cardiff & Leucadia)$2.3M +2%
Carlsbad & La Costa$1.91M +12%
Ocean Beach (92107)$1.9M −4%
Point Loma / Liberty Station (92106)$1.86M −9%
Bay Park (92110)$1.85M +36%
4S Ranch / Santaluz / Black Mountain Ranch (92127)$1.85M −1%
University City / UTC (92122)$1.73M +6%
Scripps Ranch (92131)$1.7M −17%
Bankers Hill / Hillcrest / Mission Hills (92103)$1.69M −7%
Tierrasanta (92124)$1.53M +33%
Rancho Peñasquitos (92129)$1.47M +11%
University Heights / Normal Heights / Kensington (92116)$1.36M +10%
Rancho Bernardo (92128)$1.27M +6%
Eastlake (Chula Vista) (91915)$1.23M +34%
North Park / Burlingame (92104)$1.2M +5%
San Carlos (92119)$1.19M +20%
Bonita (91902)$1.19M +21%
Poway (92064)$1.15M +10%
Clairemont (92117)$1.13M +1%
Oceanside$1.06M +13%
Mira Mesa (92126)$1.03M −4%
Otay Ranch (Chula Vista) (91913)$1.03M +8%
Allied Gardens / Del Cerro (92120)$993K −17%
Mount Helix (91941)$990K −13%
Escondido$985K +14%
Downtown San Diego / Little Italy (92101)$954K new
La Mesa$933K +6%
Talmadge / College Area (92115)$922K +9%
Golden Hill / South Park (92102)$689K −14%
Barrio Logan (92113)$570K −13%

Where the market is moving

Areas with at least 8 single-family sales (or 5 condo sales) in October 2026, so a single sale doesn’t skew the result.

Interactive · 38 market areas

Neighborhood explorer

Pick a region, choose how to rank, then tap any area for its numbers and 10-year value trend. October 2026 closed sales from the San Diego MLS; trends and rent from Zillow (Sep 2026).

Rank by
See every number as a tablePrices, sales, days, % of list, supply, cost to own, rent and growth for all 38 areas

Every neighborhood, October 2026

Closed sales, San Diego MLS, October 2026 compared with October 2025. Small neighborhoods can swing a lot from month to month, so read single-digit sales counts with care. Click a neighborhood for its full guide.

Coastal San Diego

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
La Jolla92037 $3,825,000+16%2527$1,33797%Balanced4.6 mo supply$1,525,000+12%Balanced3.6 mo supply
Pacific Beach92109 $2,622,500+17%1015$1,312100%Balanced3.4 mo supply$848,000−32%Balanced4.3 mo supply
Mission Beach92109 $2,622,500+17%1015$1,312100%Balanced3.4 mo supply$848,000−32%Balanced4.3 mo supply
Ocean Beach92107 $1,899,000−4%79$1,163100%Balanced3.1 mo supply$720,000−22%Seller's2.6 mo supply
Point Loma92106 $1,860,000−9%958$1,08797%Seller's2.4 mo supply$416,000−62%Buyer's6.8 mo supply
Liberty Station92106 $1,860,000−9%958$1,08797%Seller's2.4 mo supply$416,000−62%Buyer's6.8 mo supply
Bay Park92110 $1,850,000+36%57$809102%Balanced3.9 mo supply$622,000+1%Balanced3.2 mo supply
Del Mar Heights / Torrey Pines92014 $4,300,000−3%569$1,12997%Balanced3.2 mo supply$1,150,000−40%Seller's2.5 mo supply

Downtown & Urban Core

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
Downtown San Diego92101 $953,568new252$73399%Buyer's8 mo supply$621,250−8%Buyer's6.6 mo supply
Little Italy92101 $953,568new252$73399%Buyer's8 mo supply$621,250−8%Buyer's6.6 mo supply
Bankers Hill92103 $1,693,500−7%89$1,072101%Balanced3.3 mo supply$649,000−18%Balanced4.3 mo supply
Golden Hill92102 $689,000−14%1121$711100%Balanced3.7 mo supply$434,500−10%Buyer's8.1 mo supply
Barrio Logan92113 $570,000−13%961$64196%Seller's2 mo supply$404,500−11%Balanced3.6 mo supply

Uptown & Mid-City

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
Hillcrest92103 $1,693,500−7%89$1,072101%Balanced3.3 mo supply$649,000−18%Balanced4.3 mo supply
Mission Hills92103 $1,693,500−7%89$1,072101%Balanced3.3 mo supply$649,000−18%Balanced4.3 mo supply
North Park92104 $1,200,000+5%118$96899%Seller's1.9 mo supply$445,000−23%Balanced3.9 mo supply
Burlingame92104 $1,200,000+5%118$96899%Seller's1.9 mo supply$445,000−23%Balanced3.9 mo supply
South Park92102 $689,000−14%1121$711100%Balanced3.7 mo supply$434,500−10%Buyer's8.1 mo supply
University Heights92116 $1,360,000+10%179$1,018100%Seller's2 mo supply$540,000+14%Balanced3.4 mo supply
Normal Heights92116 $1,360,000+10%179$1,018100%Seller's2 mo supply$540,000+14%Balanced3.4 mo supply
Kensington92116 $1,360,000+10%179$1,018100%Seller's2 mo supply$540,000+14%Balanced3.4 mo supply
Talmadge92115 $921,500+9%1831$75099%Seller's2.7 mo supply$434,000−11%Buyer's7.3 mo supply

Central San Diego

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
Mission Valley92108 No house sales in October 2026$440,000−24%Balanced4.6 mo supply
Clairemont92117 $1,132,500+1%2613$82499%Seller's1.6 mo supply$889,000+38%Balanced4.4 mo supply
University City / UTC92122 $1,725,000+6%1516$84098%Seller's1.2 mo supply$709,000−7%Balanced4.6 mo supply
Tierrasanta92124 $1,525,000+33%512$631101%Seller's1.3 mo supply$705,000+3%Balanced4.2 mo supply
Allied Gardens / Del Cerro92120 $992,500−17%147$70599%Seller's2.2 mo supply$496,000+1%Balanced5.8 mo supply
San Carlos92119 $1,193,500+20%810$652100%Seller's1.4 mo supply$412,500−20%Balanced3 mo supply
College Area92115 $921,500+9%1831$75099%Seller's2.7 mo supply$434,000−11%Buyer's7.3 mo supply

North City

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
Carmel Valley92130 $2,860,000+30%1425$80498%Seller's1.4 mo supply$737,500−18%Balanced4.2 mo supply
Scripps Ranch92131 $1,700,000−17%2019$67697%Seller's1.9 mo supply$649,500−1%Balanced3.3 mo supply
Rancho Bernardo92128 $1,270,000+6%2912$62999%Seller's1.9 mo supply$568,000−9%Balanced4.1 mo supply
Rancho Peñasquitos92129 $1,470,000+11%1010$713101%Seller's1.5 mo supply$547,000−27%Balanced3.4 mo supply
Mira Mesa92126 $1,030,000−4%1511$66799%Seller's1.7 mo supply$600,000+8%Balanced3.7 mo supply
4S Ranch92127 $1,850,000−1%2315$69999%Seller's2 mo supply$945,000+57%Balanced5.2 mo supply
Santaluz / Black Mountain Ranch92127 $1,850,000−1%2315$69999%Seller's2 mo supply$945,000+57%Balanced5.2 mo supply

North County

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
Del Mar92014 $4,300,000−3%569$1,12997%Balanced3.2 mo supply$1,150,000−40%Seller's2.5 mo supply
Solana Beach92075 No house sales in October 2026$1,520,000−24%Balanced3 mo supply
Encinitas (Cardiff & Leucadia)Encinitas $2,300,000+2%2514$1,18098%Seller's2.5 mo supply$1,100,000+26%Seller's2.9 mo supply
Carlsbad & La CostaCarlsbad $1,909,000+12%4010$834101%Seller's2.2 mo supply$895,000−1%Balanced3.1 mo supply
OceansideOceanside $1,060,000+13%3720$671100%Seller's1.5 mo supply$823,000+36%Seller's2.3 mo supply
Rancho Santa Fe92067 $5,272,500−9%1069$80594%Balanced5.2 mo supply$2,225,000newSeller's2 mo supply
Poway92064 $1,150,000+10%2525$665100%Seller's2.6 mo supply$715,000+8%Balanced3 mo supply
EscondidoEscondido $985,000+14%5520$50599%Seller's2.3 mo supply$590,000+23%Balanced4.9 mo supply

East County

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
La MesaLa Mesa $932,750+6%3413$580100%Seller's2.1 mo supply$460,375−19%Balanced4.1 mo supply
Mount Helix91941 $990,000−13%1811$556100%Seller's2.6 mo supply$440,000−8%Balanced3 mo supply

Coronado & South County

NeighborhoodAreaHouse medianYoYSoldDays$/sq ft% of listMarketCondo medianYoYCondo market
Coronado92118 $3,850,0000%1118$1,69298%Balanced3.4 mo supply$1,186,250−47%Buyer's6.9 mo supply
Bonita91902 $1,189,000+21%714$54098%Balanced3.3 mo supplyNo condo sales
Eastlake (Chula Vista)91915 $1,225,000+34%473$38697%Balanced3.1 mo supply$665,000+4%Balanced4.4 mo supply
Otay Ranch (Chula Vista)91913 $1,029,500+8%1416$415102%Seller's1.6 mo supply$700,000+6%Balanced3.7 mo supply

No neighborhoods match. Try a different name or ZIP.

Cost to own and long-term growth, by neighborhood

Monthly cost of each area’s median-priced house (October 2026) with 20% down at 7.18%, including estimated property tax and insurance. Rent and long-term growth come from Zillow (rent index and home value index, September 2026). Click a neighborhood for its full guide.

Coastal San Diego

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
La Jolla $3.83M$24,863$47,856$1,065,572$3,925+6%+36%+97%
Pacific Beach $2.62M$17,093$32,811$732,543$3,272+2%+23%+87%
Mission Beach $2.62M$17,093$32,811$732,543$3,272+2%+23%+87%
Ocean Beach $1.9M$12,417$23,759$532,172$2,854+3%+17%+76%
Point Loma $1.86M$12,165$23,271$521,371$2,875+5%+30%+88%
Liberty Station $1.86M$12,165$23,271$521,371$2,875+5%+30%+88%
Bay Park $1.85M$12,101$23,146$518,602$2,968+1%+23%+88%
Del Mar Heights / Torrey Pines $4.3M$27,570$49,450$1,181,590$6,055+7%+39%+103%

Downtown & Urban Core

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
Downtown San Diego $954K$6,308$11,930$270,338$2,917−4%+3%+21%
Little Italy $954K$6,308$11,930$270,338$2,917−4%+3%+21%
Bankers Hill $1.69M$11,089$21,188$475,260$2,7640%+15%+47%
Golden Hill $689K$4,598$8,620$197,066$2,301+2%+16%+68%
Barrio Logan $570K$3,829$7,131$164,110$2,2160%+19%+85%

Uptown & Mid-City

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
Hillcrest $1.69M$11,089$21,188$475,260$2,7640%+15%+47%
Mission Hills $1.69M$11,089$21,188$475,260$2,7640%+15%+47%
North Park $1.2M$7,900$15,014$338,586$2,505+6%+15%+62%
Burlingame $1.2M$7,900$15,014$338,586$2,505+6%+15%+62%
South Park $689K$4,598$8,620$197,066$2,301+2%+16%+68%
University Heights $1.36M$8,934$17,016$382,898$2,444+1%+11%+59%
Normal Heights $1.36M$8,934$17,016$382,898$2,444+1%+11%+59%
Kensington $1.36M$8,934$17,016$382,898$2,444+1%+11%+59%
Talmadge $922K$6,101$11,529$261,457$3,293+2%+21%+86%

Central San Diego

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
Mission Valley No house sales in October 2026$3,168−4%+14%+58%
Clairemont $1.13M$7,464$14,169$319,892$2,7160%+20%+84%
University City / UTC $1.73M$11,293$21,582$483,983$3,285−1%+22%+86%
Tierrasanta $1.53M$10,001$19,080$428,594$2,9860%+24%+88%
Allied Gardens / Del Cerro $993K$6,559$12,418$281,120$2,700+2%+26%+88%
San Carlos $1.19M$7,858$14,932$336,786$2,456+2%+25%+92%
College Area $922K$6,101$11,529$261,457$3,293+2%+21%+86%

North City

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
Carmel Valley +MR $2.86M$18,627$35,783$798,318$4,198+3%+44%+120%
Scripps Ranch +MR $1.7M$11,131$21,269$477,060$3,589+2%+35%+105%
Rancho Bernardo $1.27M$8,353$15,889$357,973$3,060−2%+22%+78%
Rancho Peñasquitos $1.47M$9,645$18,392$413,362$3,567−1%+30%+100%
Mira Mesa $1.03M$6,802$12,887$291,505$3,044−1%+27%+96%
4S Ranch +MR $1.85M$11,945$21,275$511,919$3,762−1%+28%+103%
Santaluz / Black Mountain Ranch +MR $1.85M$11,945$21,275$511,919$3,762−1%+28%+103%

North County

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
Del Mar $4.3M$27,570$49,450$1,181,590$6,055+7%+39%+103%
Solana Beach No house sales in October 2026$5,646+8%+35%+99%
Encinitas (Cardiff & Leucadia) $2.3M$14,815$26,450$634,920$4,352+8%+35%+112%
Carlsbad & La Costa $1.91M$12,321$21,954$528,046$3,585−8%+33%+118%
Oceanside $1.06M$6,906$12,190$295,985$2,895+1%+25%+91%
Rancho Santa Fe $5.27M$33,773$60,634$1,447,408—+7%+43%+98%
Poway $1.15M$7,480$13,225$320,585$3,3250%+26%+85%
Escondido $985K$6,428$11,328$275,485$2,636+1%+23%+82%

East County

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
La Mesa $933K$6,095$10,727$261,203$2,593+3%+24%+86%
Mount Helix $990K$6,460$11,385$276,851$2,545+3%+24%+88%

Coronado & South County

NeighborhoodHouse medianEst. monthly costProperty tax / yrIncome neededTypical rent1-yr5-yr10-yr
Coronado $3.85M$24,700$44,275$1,058,589$5,122+7%+32%+75%
Bonita $1.19M$7,729$13,674$331,245—+4%+32%+94%
Eastlake (Chula Vista) +MR $1.23M$7,959$14,088$341,085$3,2580%+18%+73%
Otay Ranch (Chula Vista) +MR $1.03M$6,712$11,839$287,648$3,127+1%+21%+81%

+MR: many newer homes in this area carry Mello-Roos or other special taxes on top of the estimate; ask for the exact bill before you buy. Growth is the change in the Zillow Home Value Index for the area’s ZIP code(s), all home types. Data: San Diego MLS, Zillow Research, Freddie Mac PMMS, San Diego County tax rate book.

Selling? What you keep

Your net proceeds are the sale price minus your loan payoff and the costs of selling. Here is what San Diego sellers should plan for.

County transfer tax
$1.10 per $1,000 of price. On the October 2026 median house ($1,065,000) that is $1,172. Some cities add their own.
Escrow, title and loan payoff fees
Quoted by escrow and title for your sale; Jeff includes them in your net sheet.
Agent compensation
Fully negotiable and agreed in writing before you list.
Capital gains
If you have owned and lived in the home for 2 of the last 5 years, up to $250,000 of gain is tax-free, or $500,000 for married couples filing jointly (IRS Publication 523). Ask your tax advisor about your situation.

Mortgage rates

7.18%30-year fixed6.22% a year ago
6.57%15-year fixed5.5% a year ago

Source: Freddie Mac Primary Mortgage Market Survey, week of November 5, 2026. National averages; your rate depends on your loan and credit.

What it means for you

Buyers: start with a payment plan at today’s rates, and look hardest at condos and neighborhoods with more supply, where sellers are negotiating. How much you need to buy · Free buying consultation

Sellers: houses in low-supply neighborhoods are still selling fast when priced right; condo sellers should price to the latest sales, not last year’s. Free home value estimate · Selling consultation

Market questions

More answers in the San Diego Real Estate FAQ.

How is the San Diego real estate market right now?

In October 2026, the San Diego County median price for single-family homes was $1,065,000 (up 6.5% from a year earlier), with 2.6 months of supply, which favors sellers. Condos and townhomes had a $658,000 median and 4 months of supply, a more balanced market.

Are San Diego home prices going down?

County-wide, single-family prices were still up 6.5% year over year in October 2026, while the condo median was down 0.2%. Results vary widely by neighborhood: see the tables on this page for each area.

What are mortgage rates in San Diego right now?

Freddie Mac reported a 30-year fixed average of 7.18% for the week of November 5, 2026, compared with 6.22% a year earlier. The 15-year fixed averaged 6.57%.

Is it a buyer’s or seller’s market in San Diego?

For single-family homes it is mostly a seller’s market: county supply was 2.6 months, and under 3 months generally favors sellers. For condos and townhomes, supply of 4 months is closer to balanced, so buyers have more room to negotiate.

How fast are homes selling in San Diego?

Single-family homes in San Diego County sold in a median of 39 days in October 2026, and condos in 46 days. In the fastest neighborhoods on this page, well-priced homes sold in about one to two weeks.

Where does this data come from?

Neighborhood figures are closed sales from the San Diego Multiple Listing Service for October 2026, compared with October 2025. County figures come from the San Diego MLS monthly indicators published by the Greater San Diego Association of REALTORS®. Mortgage rates come from the Freddie Mac Primary Mortgage Market Survey.

What is the property tax rate in San Diego?

California’s base property tax is 1% of the purchase price, plus voter-approved local bonds. For 2025-26 the core City of San Diego rate is 1.25114%, and most other San Diego County areas run about 1.06% to 1.28%. Newer communities may add Mello-Roos or other special taxes. On the October 2026 median house of $1,065,000, that is roughly $12,248 a year.

How much is homeowners insurance in San Diego?

The California average premium was about $1,750 a year in 2024, according to the Insurance Information Institute. Homes in high fire hazard severity zones often pay much more, so get a quote before you make an offer.

How much income do you need to buy a house in San Diego?

With 20% down on the October 2026 median house ($1,065,000) at a 7.18% rate, the payment with tax and insurance is about $6,938 a month, which takes roughly $297,352 a year in household income if housing is 28% of gross income.

What is the average rent in San Diego?

Typical rent across San Diego County was about $2,915 a month in September 2026, based on the median of Zillow’s Observed Rent Index across 75 ZIP codes.

Do you pay capital gains tax when you sell a home in San Diego?

If you owned and lived in the home for at least 2 of the last 5 years, up to $250,000 of gain is excluded from federal tax, or $500,000 for married couples filing jointly (IRS Publication 523). Gains above that may be taxed; ask your tax advisor.

About this report

Updated every month by Jeff Brick, a San Diego REALTOR® with Compass since 1999 and the 2026 President of the San Diego Multiple Listing Service. Neighborhood figures are closed sales from the San Diego MLS for October 2026, compared with October 2025, by ZIP code or city. Neighborhoods that share a ZIP code show the same figures. County figures are from the San Diego MLS monthly indicators published by the Greater San Diego Association of REALTORS®. Mortgage rates are from the Freddie Mac PMMS. All information is deemed reliable but not guaranteed. This report is general market information, not financial advice.

Get Started

Get in touch with Jeff

Questions about your neighborhood or your home’s value? Ask Jeff.

Prefer to talk? Call or text (858) 324-4448 or email jeff@jeffbrick.com.

Free · once a month · on the 5th

Get The San Diego Insider

Real numbers for your neighborhood from the San Diego MLS, a short note from Jeff, and the homes worth seeing. One email a month. Unsubscribe any time.

We’ll email you once to confirm. Your email is used only for this newsletter and never sold. No texts. Privacy

Do Not Sell or Share My Personal Information · Privacy Policy