How much is a home worth in ZIP code 92154?

The typical home in 92154 is worth $741,656, based on the Zillow Home Value Index.

Are home values rising in 92154?

Home values in 92154 are down 1.6% over the past year, and up 4.7% a year over five years.

What is the typical rent in 92154?

A typical home in 92154 rents for about $2,880 a month, a gross rental yield of 4.7%.

What is the property tax rate in 92154?

The effective property tax rate in 92154 is 0.7% — roughly $5,438 a year on a typical home.

ZIP code 92154 has a population of 80,445 and a median household income of $94,901.

HousingHandbookReference data

…

U.S. ZIP Code · CA92154

San Diego County · San Diego-Chula Vista-Carlsbad, CA

Typical home value

$741,656^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -1.6%
5-year / yr: +4.7%
10-year / yr: +6.3%

Relative price

vs U.S.: +161.1%
vs metro: -18.9%
vs state: +5.9%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 92154 is worth $741,656 — 18.9% below the San Diego-Chula Vista-Carlsbad, CA median. Over the past year, values have fallen 1.6%. Homes here rent for a typical $2,880 a month — a 4.7% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,880^[2]
Gross yield: 4.7%^[2]
Cap rate: 2.8%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $5,438^[3]

#Climate risk

FEMA National Risk Index ratings for San Diego County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Very High^[4]
Riverine flood: Very High
Coastal flood: Relatively Moderate
Wildfire: Very High
Drought: Relatively Low
Heat wave: Relatively High
Hurricane: Very Low
Tornado: Relatively Low
Earthquake: Relatively High
Winter weather: Relatively Low

#Who lives here

Population: 80,445^[3]
Median household income: $94,901^[3]

#Migration

Household moves in and out of San Diego County over a year, from IRS tax-return data.

Net migration: -5,385^[5]
Moved in: 70,215
Moved out: 75,600

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 19
Elementary: 11
Middle: 4
High: 4

San Ysidro High
High · Grades 9–12 · Sweetwater Union High
2,017 students
Montgomery Senior High
High · Grades 9–12 · Sweetwater Union High
1,658 students
Southwest Senior High
High · Grades 9–12 · Sweetwater Union High
1,586 students
Nestor Language Academy Charter
Elementary · Grades K–8 · South Bay Union
1,070 students
Ocean View Hills
Elementary · Grades K–5 · San Ysidro Elementary
985 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield4.7%

Net yield (after ~40% expenses)2.8%

Annual rent$34,554

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$3,750

Loan principal$593,325

Down payment$148,331

Total interest paid$756,753

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.67

Monthly cost to own$4,819

Monthly rent$2,880

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 31st percentile^[1]
Rental yield: 95th percentile^[2]
Property tax: 81st percentile^[3]

Frequently asked

How much is a home worth in ZIP code 92154?: The typical home in 92154 is worth $741,656, based on the Zillow Home Value Index.
Are home values rising in 92154?: Home values in 92154 are down 1.6% over the past year, and up 4.7% a year over five years.
What is the typical rent in 92154?: A typical home in 92154 rents for about $2,880 a month, a gross rental yield of 4.7%.
What is the property tax rate in 92154?: The effective property tax rate in 92154 is 0.7% — roughly $5,438 a year on a typical home.
Who lives in 92154?: ZIP code 92154 has a population of 80,445 and a median household income of $94,901.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

92102 vs 92154 →
San Diego, CA
Typical home
$742,869
Gross yield
3.9%
92139 vs 92154 →
San Diego, CA
Typical home
$738,888
Gross yield
4.8%
92114
San Diego, CA
Typical home
$746,124
Gross yield
4.5%
92101
San Diego, CA
Typical home
$734,029
Gross yield
4.7%
92070
CA
Typical home
$762,378
Gross yield
—
91945
Lemon Grove, CA
Typical home
$763,223
Gross yield
4.1%

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Pit ZIP 92154 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · CA92154

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