City · 172,242 residents · San Diego County, California
Oceanside, California
In Oceanside, a typical home is worth $770,300 and typical rent is $2,303 a month. Compared with all of San Diego County, the typical home value is 10% lower and typical household income is 8% lower.
Typical home value from Zillow, September 2021 to September 2026: from $690,786 to $865,182.
Typical rent
$2,910a month
▲ 1.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,316 to $2,910.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oceanside 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
What homes there are in Oceanside, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Oceanside
San Diego County
California
United States
Kind of home: Oceanside and its comparisons
Measure
Oceanside
San Diego County
California
United States
Detached house
51%
50%
57%
61%
Attached house
13%
10%
7%
6%
Building of 2 to 4
8%
7%
8%
8%
Apartments (5 or more)
24%
30%
24%
19%
Mobile home
4%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in San Diego County, most homes in Oceanside are detached houses (51%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Oceanside
San Diego County
California
United States
Year built: Oceanside and its comparisons
Measure
Oceanside
San Diego County
California
United States
Before 1960
8%
17%
27%
26%
1960–1979
29%
33%
29%
24%
1980–1999
44%
30%
25%
25%
2000–2009
12%
12%
11%
14%
2010 or later
6%
8%
8%
11%
Homes in Oceanside are newer: the typical year built is 1984; in San Diego County, 1980.
By size, homes in Oceanside look like those in San Diego County: 53% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either side
Under $100K4%
$100K–$200K2%
$200K–$300K3%
$300K–$500K10%
$500K–$750K29%
$750K–$1M33%
$1M or more19%
FHA limit: $1,104,000
Value of owner-occupied homes: Oceanside and its comparisons
Measure
Oceanside
Under $100K
4%
$100K–$200K
2%
$200K–$300K
3%
$300K–$500K
10%
$500K–$750K
29%
$750K–$1M
33%
$1M or more
19%
At least 81% of owner-occupied homes in Oceanside are worth less than $1,000,000, below the FHA loan limit for San Diego County ($1,104,000).
Monthly rent with utilities
Under the limitOver the limit
Under $5003%
$500–$9993%
$1,000–$1,4996%
$1,500–$1,99921%
$2,000–$2,49929%
$2,500–$2,99920%
HUD fair market rent, 2 bedrooms: $2,823
$3,000 or more19%
Monthly rent with utilities: Oceanside and its comparisons
Measure
Oceanside
Under $500
3%
$500–$999
3%
$1,000–$1,499
6%
$1,500–$1,999
21%
$2,000–$2,499
29%
$2,500–$2,999
20%
$3,000 or more
19%
About 74% of rented homes in Oceanside cost less than HUD's 2-bedroom fair market rent for San Diego County ($2,823).
With a mortgage
$2,907 a month
San Diego County: $3,184 a month
Without a mortgage
$810 a month
San Diego County: $871 a month
Owners with a mortgage
69%
San Diego County: 70%
Owning costs less in Oceanside: with a mortgage, the typical cost is $2,907 a month; in San Diego County, $3,184. Without one, $810.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oceanside+56%
San Diego County+52%
California+46%
United States+53%
Typical rent
Oceanside+31%
San Diego County+36%
California+36%
United States+33%
Typical household income
Oceanside+34%
San Diego County+35%
California+32%
United States+29%
Change since 2015–2019: Oceanside and its comparisons
Measure
Oceanside
San Diego County
California
United States
Typical home value
+56%
+52%
+46%
+53%
Typical rent
+31%
+36%
+36%
+33%
Typical household income
+34%
+35%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Oceanside rose 56%; in San Diego County, it rose 52%.
Rents in Oceanside rose more slowly than in San Diego County: 31% since 2015–2019, against 36%.
While home values in Oceanside changed +56% and rent +31%, the typical household income rose 34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oceanside and its comparisons
Measure
Oceanside
San Diego County
California
United States
Rental vacancy
3.8%
3.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
5.9%
6.5%
8.2%
3.4%
People per household
2.75
2.72
2.84
2.53
Drive alone
70%
66%
66%
69%
Carpool
8%
8%
10%
9%
Public transit
2%
2%
3%
3%
Walk or bike
2%
4%
3%
3%
Work from home
16%
19%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in San Diego County, the rental vacancy rate in Oceanside is 3.8%.
Much as in San Diego County, 5.9% of households in Oceanside have more than one person per room.
By size, households in Oceanside look like those in San Diego County: 2.75 people on average.
In Oceanside, 70% of workers drive alone to work; in San Diego County, 66%.
Do the math
What would you pay each month for a home in Oceanside?
A typical home costs more than the typical income allows
We start with a typical home in Oceanside, worth $770,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 76% of the typical household income in Oceanside, which is $97,737 a year. For that payment to be 28% of income, a household would need to earn about $265,003 a year.
The calculator's FHA and conventional loan limits are those of all of San Diego County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Oceanside. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $26,961 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$6,183
at 7.18% · 30 years
Loan amount
$756,347
Total interest
$1,088,207
Paid off in
November 2056
Includes $13,008 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,281 a month
Tight
$2,281 to $2,932 a month
Hard
more than $2,932 a month
Your payment · 76%
Compared with the typical household income in Oceanside ($97,737 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,124
Property tax
$398
Home insurance
$321
FHA mortgage insurance (MIP)
$341
You need at least $26,961 for the down payment, plus closing costs.
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.
Total monthly payment $6,183; principal and interest $5,124.
The city and its county
Oceanside and San Diego County
Oceanside 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).
Oceanside
Map of San Diego County, California, with Oceanside marked. Around it, the neighboring counties.
Oceanside
San Diego County
Other cities with a page
Oceanside's own numbers
Typical home value
$770,300
Typical monthly rent
$2,303
Typical yearly household income
$97,737
Households that own their home
58%
Effective property tax rate
0.62%
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.
A typical home in Oceanside is worth $770,300: 10% below the county and 5% above California. With the typical household income in Oceanside ($97,737 a year), a typical home costs 7.9 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.
Oceanside7.9 years
San Diego8.0 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in San Diego County, 2016 to 2025
2016: +7.4% +7.4% 2016
2017: +7.1% +7.1% 2017
2018: +6.0% +6.0% 2018
2019: +2.9% +2.9% 2019
2020: +3.4% +3.4% 2020
2021: +13.8% +13.8% 2021
2022: +18.2% +18.2% 2022
2023: +5.7% +5.7% 2023
2024: +7.3% +7.3% 2024
2025: +0.7% +0.7% 2025
Change in FHFA’s price index in San Diego County, California and the United States
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
Oceanside 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
Oceanside$770,300
San Diego$854,700
California$734,700
United States$332,700
Typical monthly rent
Oceanside$2,303
San Diego$2,246
California$2,036
United States$1,413
Typical yearly household income
Oceanside$97,737
San Diego$106,268
California$99,122
United States$80,734
See the full table
Oceanside next to San Diego County and California
Measure
Oceanside
San Diego County
California
U.S.
Typical home value
$770,300 ▼10% below the county
$854,700
$734,700
$332,700
Typical monthly rent
$2,303 ▲3% above the county
$2,246
$2,036
$1,413
Typical yearly household income
$97,737 ▼8% below the county
$106,268
$99,122
$80,734
Households that own their home
58% ▲4 points above the county
55%
56%
65%
Typical yearly property tax
$4,785 ▼17% below the county
$5,774
$5,124
$3,119
Effective property tax rate
0.62% ▼0.06 points below the county
0.68%
0.7%
0.94%
Renters with high rent for their income
61% ▲4 points above the county
58%
55%
51%
“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 Oceanside
For a typical $770,300 home in Oceanside, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oceanside's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,183a month
Least cash to close
Down payment
$26,961
Cash to close
$50,070
Rate
7.18%
Mortgage insurance
FHA MIP · $341
Conventional, 5% down$6,042a month
Down payment
$38,515
Cash to close
$61,624
Rate
7.18%
Mortgage insurance
PMI · $366
Conventional, 20% down, no PMI$4,894a month
Down payment
$154,060
Cash to close
$177,169
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,606a month
Down payment
$115,545
Cash to close
$138,654
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oceanside
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,183
$26,961
$756,348
7.18%
FHA MIP · $341
$50,070
580
Conventional, 5% down
$6,042
$38,515
$731,785
7.18%
PMI · $366
$61,624
620*
Conventional, 20% down, no PMI
$4,894
$154,060
$616,240
7.18%
None
$177,169
620*
ITIN, 15% down (example)
$5,606
$115,545
$654,755
8.18%
None
$138,654
Set by the lender
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.
Typical rent in Oceanside is $2,303 a month: 3% above the county. In Oceanside, 61% of renter households pay 30% or more of their income in rent.
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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Diego County (Fiscal year 2027)
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 Oceanside
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oceanside has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,640 in 92054 to $3,310 in 92056.
2 of the 3 are above the fair market rent for San Diego County ($2,823).
2-bedroom fair market rent in each of the 3 ZIP codes of Oceanside, beside the one for San Diego County. For 2 bedrooms it runs from $2,640 in 92054 to $3,310 in 92056. 2 of the 3 are above the fair market rent for San Diego County ($2,823).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,823
Lowest: $2,640 (92054)Highest: $3,310 (92056)
Fair market rent by ZIP code and size in Oceanside, fiscal year 2027.
HUD lists 13 buildings with rents for lower incomes in Oceanside. These are the largest.
Vintage Point Senior Apts Phase II1923 Bush St, Oceanside 92058186 homes, 168 low-income · 1 bd: 114 · 2 bd: 55 · In service since 2004 · For older adults
Shadow Way Apts4707 Yuma Ave, Oceanside 92057144 homes, 143 low-income · 2 bd: 144 · In service since 2009
Vintage Pointe Senior Apts1701 Bush St, Oceanside 92058136 low-income homes · In service since 1997 · For older adults
Country Club Apts - Oceanside201 Country Club Ln, Oceanside 9205491 homes, 89 low-income · Studio: 11 · 1 bd: 57 · 2 bd: 22 · In service since 2009 · For families
Eldorado115 S Clementine St, Oceanside 9205486 homes, 83 low-income · For older adults(760) 722-1164
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.
No down payment, repair or rent-help program on our list is for Oceanside or San Diego County. The ones below are statewide in California: they work in Oceanside the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Oceanside or San Diego County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Oceanside 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 Oceanside?
The typical home value in Oceanside is $770,300, 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 Oceanside?
Typical rent in Oceanside is $2,303 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 Oceanside?
Oceanside 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 Oceanside?
The typical homeowner in Oceanside pays $4,785 a year, according to the U.S. Census Bureau. That is 0.62% 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 Oceanside?
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.
