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ZIP Code 92109

San Diego, California

ZCTA 92109

Juniper

ZIP Code 92109 is in the lowest 31% nationally for FEMA risk score. It also sits in the highest 1% nationally for typical home value. And it sits in the highest 2% nationally for home price against income.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$1,672,191

Higher than 99% of U.S. ZIP codes
Home Price Growth, Past Five Years

55%

Higher than 59% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

50

Lower than 69% of U.S. ZIP codes

The boundary of ZIP Code 92109, in San Diego, California.

The basics

Total Population

44,820

Median Age

33.4

Population Density

5,890.41

Home values & property tax

Median Property Tax

$7,870

Property Tax Rateyearly tax as a share of home value

0.64%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

10.05×

Higher than 98% of U.S. ZIP codes
Median Income

$122,128

Higher than 91% of U.S. ZIP codes
Median Rent

$2,421

Higher than 97% of U.S. ZIP codes

Home prices & appreciation

Pandemic Price Run-Up2019–20 low → 2022–23 peak

14%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

22%

Climate & weather

Summer Avg High (°F)

71.4

Winter Avg Low (°F)

48

Avg Temperature (°F)

61.7

Hot Days/yr (>90°F)

0.3

Freezing Days/yr (<32°F)

0.1

Annual Precipitation (in)

10.4

Annual Snowfall (in)

0

Flood & disaster risk

Coastal Flood Loss per $1,000

$0.06

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 92109: frequently asked questions

What is the typical home value in ZIP Code 92109?
The estimated median home value in ZIP Code 92109 today is $1,672,191, higher than 99% of U.S. ZIP codes.
How much is property tax in ZIP Code 92109?
The median annual property tax in ZIP Code 92109 is $7,870, an effective rate of 0.64% of home value.
Is ZIP Code 92109 expensive to live in?
Homes in ZIP Code 92109 cost about 10.05× the median household income, higher than 98% of U.S. ZIP codes.
What is the average rent in ZIP Code 92109?
The median gross rent in ZIP Code 92109 is $2,421 a month, higher than 97% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 92109?
Home prices in ZIP Code 92109 have moved 55% over the past five years, per the FHFA House Price Index.
How many people live in ZIP Code 92109?
ZIP Code 92109 has a population of 44,820, about 5,890.41 people per square mile, per the U.S. Census American Community Survey. The median age is 33.4.
What is the weather like in ZIP Code 92109?
ZIP Code 92109 averages 61.7°F year-round, summer highs near 71.4°F, winter lows around 48°F (NOAA 1991–2020 normals).
Is ZIP Code 92109 at risk of flooding or natural disasters?
ZIP Code 92109's FEMA National Risk Index score is 50 (lower than 69% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Expected annual loss from flooding is $0.06 per $1,000 of building value.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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