ZIP code 92086

ZIP 92086 is a small town in San Diego County, California, with 1,410 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1349 of 1,803 ranked by population — larger than 25% of them. The median age here is 60.6 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 92086 earn a median of $68,224 a year, 13.1% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 18.4% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 92086 is valued at $430,100, 41.8% above the national figure, while median gross rent runs $1,486 a month, 5.7% above the national figure, or roughly $17,832 across a full year. A household on the local median income would put about 26.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.3×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 85.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 6.3× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 60.6 puts ZIP 92086 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 92086 is tabulated inside San Diego County, California, one of 115 ZIP areas the Census publishes for that county and 1,803 across California. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 92086 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 92086 reports a median household income of $68,224, 34% below the $102,617 county median, and 24% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $430,100, 44% below the county figure and 32% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,486 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

California charges 7.25% statewide, and local governments overlapping 92086 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 92086 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.