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City · 6,574 residents · San Diego County, California

Jamul , California

In Jamul, a typical home is worth $1,047,300 and typical rent is $3,501 a month. Compared with all of San Diego County, typical rent is 56% higher, typical household income is 44% higher, and the share of households that own their home is 41 points higher.

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  • Typical home value

    $1,047,300

    23% above the county

    43% above California

    • Jamul
    • San Diego
    • California

  • Typical rent

    $3,501a month

    56% above the county

    72% above California

    • Jamul
    • San Diego
    • California

  • Typical household income

    $152,748a year

    44% above the county

    54% above California

    • Jamul
    • San Diego
    • California

  • Households that own their home

    96%

    41 points above the county

    40 points above California

    • Jamul
    • San Diego
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,023,340
2.2% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Jamul is in San Diego County. The FHA loan limit ($1,104,000 for a one-unit home), the fair market rents and the help on this page are those of all of San Diego County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jamul apart

What this place has that others do not, from public data, most unusual first.

  1. Jamul has the highest typical rent of the 648 cities in California with more than 5,000 people: $3,501.

  2. 96% of households in Jamul own their home, against 55% in San Diego County.

  3. Nearby, in La Presa, the typical rent is $1,852: 47% less than in Jamul ($3,501).

  4. Nearby, in La Presa, the typical home value is $629,700: 40% less than in Jamul ($1,047,300).

  5. The typical household income in Jamul is $152,748, 44% more than in San Diego County as a whole ($106,268).

  6. The typical home in Jamul is worth $1,047,300, 23% more than in San Diego County as a whole ($854,700).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Jamul

What homes there are in Jamul, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 96% of homes here, against 50% in San Diego County.

Year built

The typical home in Jamul was built in 1985, 5 years after the typical one in San Diego County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,429 a month

San Diego County: $3,184 a month

Without a mortgage

$1,312 a month

San Diego County: $871 a month

Owners with a mortgage

72%

San Diego County: 70%

The typical cost for an owner with a mortgage in Jamul is $3,429 a month, more than in San Diego County ($3,184); without one, $1,312.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Jamul rose 56% since 2015–2019, more than in San Diego County (52%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureJamulSan Diego CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.9%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate6.5%8.2%3.4%
People per household 3.112.722.842.53
Drive alone 77%66%66%69%
Carpool 7%8%10%9%
Public transit Unreliable estimate2%3%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 16%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Jamul are bigger: 3.11 people on average; in San Diego County, 2.72.

In Jamul, 77% of workers drive alone to work; in San Diego County, 66%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Jamul?

A typical home costs more than the typical income allows

We start with a typical home in Jamul, worth $1,047,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 68% of the typical household income in Jamul, which is $152,748 a year. For that payment to be 28% of income, a household would need to earn about $372,006 a year.

The calculator's FHA and conventional loan limits are those of all of San Diego County.

Your numbers

Local data
$

Starts at the typical home value in Jamul. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $36,656 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$8,680

at 7.18% · 30 years

Loan amount
$1,028,330
Total interest
$1,479,526
Paid off in
November 2056

Includes $17,686 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,564 a month

  • Tight

    $3,564 to $4,582 a month

  • Hard

    more than $4,582 a month

    Your payment · 68%

Compared with the typical household income in Jamul ($152,748 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,680
Principal & interest$6,966
Property tax$646
Home insurance$436
FHA mortgage insurance (MIP)$632

You need at least $36,656 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Jamul and San Diego County

Jamul is in San Diego County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Jamul's own numbers

Typical home value
$1,047,300
Typical monthly rent
$3,501
Typical yearly household income
$152,748
Households that own their home
96%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of San Diego County

FHA limit, one-unit home
$1,104,000
Conventional limit, one unit
$1,104,000
HUD fair market rent, 2 bedrooms
$2,823
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Diego County.

Everything about San Diego County

Buying

Buying a home in Jamul

A typical home in Jamul is worth $1,047,300: 23% above the county and 43% above California. With the typical household income in Jamul ($152,748 a year), a typical home costs 6.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Jamul 6.9 years
  • San Diego 8.0 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in San Diego County

According to FHFA’s house price index, home prices in San Diego County rose 99% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of San Diego County.

Period County California U.S.
Last year (2025) +0.7% +0.8% +2.9%
5 years (2020–2025) +54% +40% +47%
10 years (2015–2025) +99% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Jamul next to San Diego County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Jamul $1,047,300
  • San Diego $854,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Jamul $3,501
  • San Diego $2,246
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Jamul $152,748
  • San Diego $106,268
  • California $99,122
  • United States $80,734
See the full table
Jamul next to San Diego County and California
Measure Jamul San Diego County California U.S.
Typical home value $1,047,300 $854,700 $734,700 $332,700
Typical monthly rent $3,501 $2,246 $2,036 $1,413
Typical yearly household income $152,748 $106,268 $99,122 $80,734
Households that own their home 96% 55% 56% 65%
Typical yearly property tax $7,743 $5,774 $5,124 $3,119
Effective property tax rate 0.74% 0.68% 0.7% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Diego County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Jamul

For a typical $1,047,300 home in Jamul, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jamul's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,680a month

    Least cash to close
    Down payment
    $36,656
    Cash to close
    $68,075
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $632

  • Conventional, 5% down $8,320a month

    Down payment
    $52,365
    Cash to close
    $83,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $497

  • Conventional, 20% down, no PMI $6,758a month

    Down payment
    $209,460
    Cash to close
    $240,879
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,726a month

    Down payment
    $157,095
    Cash to close
    $188,514
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Jamul and for San Diego County.

Property tax

Effective rate in Jamul

0.74%of the home’s value each year

$7,743 a year for the typical owner in Jamul.

  • Jamul 0.74%
  • San Diego 0.68%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in San Diego County

FEMA does not publish these numbers by city: they are for all of San Diego County.

Homes in the high-risk zone
1.5%
12,953
Of those, with NFIP insurance
24%
County California U.S.
Homes in the high-risk zone 1.5% 2.8% 3.5%
Of those, with NFIP insurance 24% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jamul

Typical rent in Jamul is $3,501 a month: 56% above the county.

HUD publishes a fair market rent for all of San Diego County, by unit size. To pay the 2-bedroom one ($2,823 a month) without spending more than 30% of your income, you would need to earn $54.29 an hour working full time.

HUD fair market rent for all of San Diego County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,192 $42.15 $87,680
1 bedroom $2,335 $44.90 $93,400
2 bedrooms $2,823 $54.29 $112,920
3 bedrooms $3,743 $71.98 $149,720
4 bedrooms $4,526 $87.04 $181,040

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Jamul

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jamul is in ZIP code 91935.

For 2 bedrooms it is $2,730: $93 less than the fair market rent for San Diego County ($2,823).

  • 91935 $2,730$3,620

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jamul when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Jamul

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in San Diego County; 4 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Jamul

No down payment, repair or rent-help program on our list is for Jamul or San Diego County. The ones below are statewide in California: they work in Jamul the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Jamul

The HUD-approved agencies closest to the center of Jamul, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Urban League of San Diego County

    4305 University Ave Ste 360, San Diego · 14 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (619) 266-6237

  • Credit.org - National City

    2140 Hoover Ave, National City · 14 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (800) 431-8157

  • Money Management International - San Diego

    3111 Camino Del Rio N Ste 400, San Diego · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (866) 232-9080

Every agency in San Diego County All counseling agencies in California

Help in Spanish near Jamul

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Jamul

HUD’s record names them for Jamul or San Diego County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of San Diego Public housing and Section 8 vouchers (858) 694-4801

5 other authorities have an office in San Diego County: see the list Source: HUD

Cities

Other cities in San Diego County

These cities are also in San Diego County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about San Diego County Housing in California
See 21 more cities in San Diego County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Jamul, with the typical home value.

Neighboring counties

If San Diego County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Jamul.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Jamul

Short answers with the numbers for Jamul and all of San Diego County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Jamul?

The typical home value in Jamul is $1,047,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Diego County it is $854,700.

How much does it cost to rent in Jamul?

Typical rent in Jamul is $3,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Diego County is $2,823.

What is the FHA loan limit in Jamul?

Jamul uses the FHA limit for all of San Diego County (2026): $1,104,000 for a one-unit home and $2,123,100 for a four-unit home.

How much property tax do owners pay in Jamul?

The typical homeowner in Jamul pays $7,743 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in San Diego County, the rate is 0.68%.

Where can I find free help to buy or rent in Jamul?

There are 4 HUD-approved counseling agencies with an office in San Diego County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).