One part of San Diego Coastal Communities is moving much faster than the rest
Redfin put the San Diego metro median home price at $965,000 on October 2, 2026. That number is real. It is also almost useless if you own or want to buy in Coastal San Diego. The Real Estate Data Aggregator counted homes across three ZIP codes here for the three months ending July 31, 2026, and the spread is enormous.
One ZIP code is running a completely different race
ZIP 92014, the Del Mar area, had a Real Estate Data Aggregator median sale price of $3,112,500 for the three months ending July 31, 2026. That is more than three times the metro figure Redfin reported. Homes sold there jumped 127.3% compared with the same three months in 2025. Inventory fell 29.7% at the same time. Fewer homes available, far more sales. That combination moves fast.
The Real Estate Data Aggregator also shows that 30% of homes in ZIP 92014 sold above list price in that period, up 16.4 points from a year before. Nearly 1 in 3 homes went over asking. That is not a soft market.
La Jolla is a different story
ZIP 92037, which covers La Jolla, had a Real Estate Data Aggregator median sale price of $2,245,000 for the three months ending July 31, 2026. That is still more than double the metro figure. But the direction is different. The median price was down 10% from the same three months in 2025. Days on market rose 10 days to 34. Only 15.3% of homes sold above list, down 8.5 points from a year before. La Jolla is not struggling, but it is slower and softer than Del Mar right now.
| ZIP 92014 (Del Mar) | ZIP 92037 (La Jolla) | ZIP 92109 (Pacific Beach) | |
|---|---|---|---|
| Median sale price | $3,112,500 | $2,245,000 | $1,575,000 |
| Median days on market | 28 | 34 | 34 |
| Sale to list price | 99.6% | 97.1% | 98.5% |
| Sold above list price | 30% | 15.3% | 24% |
| Months of supply | 2.8 | 3.5 | 2.9 |
Pacific Beach sits in the middle
ZIP 92109, the Pacific Beach area, had a Real Estate Data Aggregator median sale price of $1,575,000 for the three months ending July 31, 2026, up 4.1% from a year before. Sales rose 21%. Days on market were 34, three days longer than a year ago. That is steady, not dramatic. The sale-to-list ratio came in at 98.5%, and 24% of homes sold above list. Prices moved up, but buyers here had a little more room to breathe than in Del Mar.
The wider picture adds context
Realtor.com reported on September 30, 2026 that mortgage rates topped 7% for the first time since January 2025. That matters for buyers at every price point. Realtor.com also reported that 20.8% of listings nationally had price reductions in September 2026, the highest share since October 2022. That is a national figure, not a Coastal San Diego count. But it is the backdrop buyers and sellers are working against.
To put the coastal prices in perspective: Redfin reported on October 2, 2026 that the Otay Ranch median was $830,000, and Realtor.com reported on September 30, 2026 that the San Diego-Chula Vista-Carlsbad metro median was $888,450. Del Mar's $3,112,500 median is more than three times either of those figures. Same county, very different markets.
The Federal Housing Finance Agency reported on September 29, 2026 that U.S. house prices rose 2.6% from July 2025 to July 2026. Redfin reported on October 2, 2026 that the San Diego metro was up 6% year over year. Both numbers trail what Del Mar posted on its own.
One more data point worth knowing for anyone weighing owning versus renting here: Realtor.com reported in September 2026 that the median asking rent in the San Diego-Chula Vista-Carlsbad metro area was $2,679 in August 2026, down 2.4% from a year before. Realtor.com also reported that 44.4% of rental listings in that metro were offering concessions in August 2026. Rents are softer and landlords are dealing. That context matters when you are thinking about your next move.
Coastal San Diego as a whole is still moving
Across all three ZIP codes combined, the Real Estate Data Aggregator counted 315 homes sold in the three months ending July 31, 2026, up 17.1% from the same period in 2025. Inventory across the three ZIPs fell 14.5% to 325 homes. Pending sales rose 11.3% to 345. New listings dipped 4% to 413. More buyers, fewer homes, more contracts. The combined picture is tighter than a year ago.
- The metro average is $965,000. Del Mar's median was $3,112,500. La Jolla's median was down 10% while Del Mar's was up 15.9%.
- Pacific Beach held steady.
- These are not small differences.
- They are different markets sharing a coastline.
- Where your home sits, and which street it is on, shapes everything about your price, your timing, and your leverage.
One more thing worth knowing: even within a single ZIP code, one block can read very differently from the next. Views, lot size, orientation, and walkability all move the needle here. The ZIP code number is a starting point, not the answer.
Your next step
(858) 752-8730Text me your address and I will send back where your Coastal San Diego home sits against what actually sold in your ZIP code, including median price, days on market, and sale-to-list ratio. Takes a day, costs nothing.
Text me- Real Estate Data Aggregator numbers for ZIPs 92037, 92014 and 92109, the three months ending July 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Sep 3, 2026.
- Redfin: These Are San Diego’s 5 Hottest Neighborhoods of 2026, Oct 2, 2026
- Realtor.com: September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%, Sep 30, 2026
- Realtor.com: August 2026 Rental Report: Rents Fall for 37th Straight Month as Concessions Give Renters More Leverage, Sep 17, 2026
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026
- Redfin: Redfin Reports U.S. Home Prices Rose 0.25% From a Month Earlier in August, Sep 22, 2026