Market Report

Ocean View Hills Home Costs by Month and Size (ZIP 92154)

Thinking about Ocean View Hills? Right now the typical home in ZIP 92154 is valued at $750K (Aug 2026), +1.2% from a year earlier, and this week’s regional gauge reads “Balanced”.

Updated October 2026 · Data through Aug 2026 (monthly) and the week ending Sep 19, 2026 (weekly)

Thinking about Ocean View Hills? Right now the typical home in ZIP 92154 is valued at $750K (Aug 2026), +1.2% from a year earlier, and this week’s regional gauge reads “Balanced”.

What changed

This week against last: the regional gauge held at “Balanced” (47 to 48). New pending sales were 409 against 414 last week, and new listings 495 against 502.
This month against last: $746K in Jul 2026 became $750K in Aug 2026 (+0.54%).
Over the past month: the gauge held near 48.

If you are buying

More homes to look at. There are 120 for sale now, compared with 110 a year ago.
Room to talk. Roughly 23% of listings have already lowered their price.
Budget. At the average 30-year rate of 7.28%, a mortgage payment is easy to estimate before you visit; the calculators below do it in seconds.

If you are selling

Buyer interest. The market temperature is 64 on Zillow’s 0-to-100 scale.
Your next step. If you are leaving Ocean View Hills or staying, a free valuation from Rudy uses this week’s activity rather than last year’s.

Think of these numbers as a map of the neighborhood, not a price tag for one house. Rudy is happy to build a report for a specific address.

Your budget

What the numbers mean for your monthly budget

Turning home values and today’s rates into a monthly cost for ZIP 92154.

The monthly cost of a home here

Assumes 20% down, a 30-year fixed loan at 7.28% (Freddie Mac, week of Oct 1, 2026), property tax about 1.1% and insurance about 0.3% of the price a year. HOA dues and mortgage insurance are extra. An illustration, not a quote.

Estimated monthly cost by price tier
Tier	Home value	Down payment	Loan	Principal and interest	Tax and insurance	Total a month	Income at the 28% guideline
Entry level	$610,979	$122,196	$488,783	$3,344	$713	$4,057	$173,877
Typical	$750,299	$150,060	$600,240	$4,107	$875	$4,982	$213,526
Upper tier	$867,683	$173,537	$694,147	$4,749	$1,012	$5,762	$246,931

At the typical value, the estimated total is about $4,982 a month ($4,107 of it principal and interest). A common rule of thumb is to keep housing costs near 28% of gross income; on that yardstick the typical home lines up with a household income of about $213,526 a year. Lenders weigh much more than that one ratio, so treat it as a starting point for a conversation.

A year ago the same typical home ($741,750) at the average rate then (6.34%) came to about $3,688 a month in principal and interest, so the payment has moved +11.3% since.

Owning compared with renting

Zillow Observed Rent Index for ZIP 92154, Aug 2026 (all homes and apartments).

Typical rent and the monthly cost of a typical purchase
Measure	Per month
Typical rent in the ZIP	$2,978
Estimated cost of owning a typical home	$4,982
Difference	+$2,005

Owning a typical home costs about $2,005 a month more than the typical rent here, before the equity a buyer builds each month and the upkeep an owner pays. Rents have moved +2.0% over the last twelve months. For a fuller comparison, try the rent versus buy calculator.

By size

Home values by number of bedrooms

What two, three and four bedrooms cost in ZIP 92154.

What each bedroom count costs

Zillow Home Value Index by bedroom count, ZIP 92154, Aug 2026. Payments assume 20% down at 7.28%, principal and interest only.

Home values by number of bedrooms
Size	Typical value	Vs a year ago	Vs five years ago	Monthly principal and interest
2 bedrooms	$530,534	−0.2%	+24.6%	$2,904
3 bedrooms	$712,073	+1.5%	+22.5%	$3,898
4 bedrooms	$796,845	+1.2%	+17.5%	$4,362

Stepping up from two to three bedrooms adds about $181,539 (+34%) to the typical value here, and from three to four another $84,772 (+12%). That is a useful yardstick for what an extra room is worth in ZIP 92154, though individual homes vary a great deal with lot size, condition and location.

2 bedrooms3 bedrooms4 bedrooms

The housing stock

The housing in ZIP 92154

What the Census Bureau’s survey says about the homes and the housing costs here.

What the housing stock looks like

Survey-based estimates from the Census Bureau’s American Community Survey, pooled over 2020-2024. Where the Bureau publishes a margin of error it is shown as ±, and the areas only approximate ZIP codes.

Homes and housing costs by ZIP code, Census survey estimates
Measure	ZIP 92154
Median household income	$94,901 (±$4,991)
Homes that are owner-occupied	61.1%
Median year homes were built	1981
Median gross rent	$2,195 (±$61)
Median home value reported by owners	$639,200
Single-family detached homes	54.9%
Attached single-unit homes (townhomes, row houses)	10.6%
Small buildings (2 to 4 homes)	6.1%
Larger buildings (5 or more homes)	21.7%
Homes used seasonally or occasionally	1%

In ZIP 92154, about 61.1% of occupied homes are owner-occupied, the typical home was built around 1981, and about 54.9% of the housing is single-family detached.

These are housing and economic measures only. Owners’ own estimate of their home’s value, in the survey, will not match Zillow’s typical value elsewhere on this page.

This week

What changed since last week

The latest week, laid out next to the one before it.

This week vs last week

Week ending Sep 19, 2026 compared with the week ending Sep 12, 2026. San Diego metro area (San Diego–Chula Vista–Carlsbad).

Week over week
Measure	This week	Last week	Change	What it favors
Months of supply	3.4	3.4	+0.4%	About the same
Homes for sale	6,086	6,138	−0.8%	About the same
New listings	495	502	−1.4%	Edge to sellers
New pending sales	409	414	−1.2%	Edge to buyers
Listings with a price cut	10.1%	9.9%	+0.2 pts	Edge to buyers
Days to pending	49	48	+2.1%	Edge to buyers

New listings vs new pending sales

Homes per week, last 26 weeks

New listingsNew pending sales

Months of supply

Last 52 weeks. Under 4 leans seller, over 6 leans buyer.

The last 12 weeks, one line each

View the numbers

Week by week, last 12 weeks
Week ending	Gauge	Months of supply	New listings	New pending	Price cuts	Days to pending
Sep 19, 2026	48 Balanced	3.4	495	409	10.1%	49
Sep 12, 2026	47 Balanced	3.4	502	414	9.9%	48
Sep 5, 2026	45 Balanced	3.3	524	429	9.9%	46
Aug 29, 2026	47 Balanced	3.4	542	421	9.9%	45
Aug 22, 2026	49 Balanced	3.5	554	411	9.7%	45
Aug 15, 2026	46 Balanced	3.3	552	428	9.9%	44
Aug 8, 2026	46 Balanced	3.3	559	434	10.1%	44
Aug 1, 2026	47 Balanced	3.2	588	442	10.4%	43
Jul 25, 2026	42 Leans sellers	3.1	550	456	9.9%	42
Jul 18, 2026	44 Leans sellers	3.2	588	447	9.5%	41
Jul 11, 2026	42 Leans sellers	3.1	590	451	9.3%	40
Jul 4, 2026	38 Leans sellers	3.1	576	463	8.7%	39

Who has the upper hand?

Buyers or sellers: this week’s reading

Start here: the one-number summary of the market you would be moving into.

This week: who had the edge?

Balanced 48 / 100

Week ending Sep 19, 2026 · San Diego metro area (San Diego–Chula Vista–Carlsbad)

Months of supply: 3.4 (under 4 is usually called a seller’s market, 4 to 6 balanced, over 6 a buyer’s market)
Listings with a price cut this week: 10.1%
New pending sales vs new listings: 409 vs 495

This month in ZIP 92154

Favors buyers 87 / 100

Aug 2026 · ZIP 92154 compared with its own history since 2018

Homes for sale: 120
Listings with a price cut: 23%
Zillow market temperature: 64 / 100
Last month: Favors buyers (76)

Week over week: the last 26 weeks

Each dot is one week in the San Diego metro area (San Diego–Chula Vista–Carlsbad). Hover or tap a dot for that week’s reading. Left of center favors sellers, right favors buyers.

Favors sellersLeans sellersBalancedLeans buyersFavors buyers

The gauge, then and now
When	Week ending	Score	Reading
This week	Sep 19, 2026	48	Balanced
Last week	Sep 12, 2026	47	Balanced
4 weeks ago	Aug 22, 2026	49	Balanced
12 weeks ago	Jun 27, 2026	41	Leans sellers
A year ago	Sep 20, 2025	44	Leans sellers

How the gauge works

The gauge turns several public numbers into one dial from 0 (sellers have the most leverage) to 100 (buyers do). The week dial looks at the entire San Diego metro area (San Diego–Chula Vista–Carlsbad) because weekly figures do not exist for individual ZIP codes; it blends months of supply with price cuts, days to pending and the pending-to-new-listing ratio, each scored against every week since 2018.

The month dial is specific to this ZIP: this month’s inventory, price cuts and Zillow’s market temperature, compared with the ZIP’s own history. A reading near 50 means an ordinary month for this place.

Neither dial is a prediction, and neither replaces a conversation about your own situation.

Sources and method

Everything above is computed from public data files and refreshed weekly. Home values are Zillow’s Home Value Index; activity series (inventory, price cuts, days to pending, sale-to-list) are also from Zillow Research. Long-run changes use the FHFA ZIP-level index, and mortgage rates come from Freddie Mac and the St. Louis Fed.

Want the raw numbers? Download ZIP 92154 as a CSV (please credit the sources). Index values describe a typical home, not any one property, and the providers revise their data. Last refreshed Oct 2, 2026.