The basics
Total Population
44,820
Median Age
33.4
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$1,226,900
Median Property Tax
$7,870
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
10.05
Median Rent
$2,421
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
55%
Pandemic Gain %
14%
Recession Drop %
-22%
Climate & weather
Ranked against U.S. ZIP codes.
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
Ranked against U.S. ZIP codes.
FEMA Risk Score
51.2
EAL Flood/Coastal per $1K
0.06
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 92109: frequently asked questions
- What is the median home value in ZIP Code 92109?
- The median home value in ZIP Code 92109 is $1,226,900, 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 1% 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.
- 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 51.2 (lower than 66% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. 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, EPA. Explore the map →