Median home value in zip code 92054 (Oceanside, CA) is $1,103,854, down 1.6% year over year. Part of the San Diego-Chula Vista-Carlsbad, CA metropolitan area.

Home Value$1,103,854

YoY Change

-1.6%

Prices falling — better for buyers.

Affordability

Enter your income for 92054 (Oceanside).

Income (annual)

Down Payment

$220,771 on $1,103,854

Example: $75,000 household income. Change it above to see your own.

Out of reach102.4% of income

Need $274,414/yr to afford.

PITI$6,403

P/I102.4%

Afford$302K

Gap-$802K

P&I $5,582Tax $672Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

92054 is part of the San Diego-Chula Vista-Carlsbad, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View San Diego-Chula Vista-Carlsbad, CA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.