AreaProfile

92105San Diego, California

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 92105.

47
Area Score
Bottom 5% of 695 published profiles

How we calculate this

How this area ranks
Opportunity385th of 727 published ZIP areas53
Growth391st of 701 published ZIP areas49
Housing affordability774th of 800 published ZIP areas26
ClimateTop 7% of 779 published ZIP areas100
Physical resilience764th of 800 published ZIP areas8
Access756th of 779 published ZIP areas53
Economic stability521st of 800 published ZIP areas52
The quick read

Housing costs more relative to local incomes than in most published city profiles, with rent taking 31% of median household income.

Physical-risk exposure is above the national median, driven mainly by inland flooding, wildfire and earthquake.

Its Area Score of 47 places 92105 in the top 95% of published ZIP profiles.

At a glance

Population
71,411
2024 ACS 5-Year
Median household income
$68,563
Bottom 45% nationally
Density
12,406/sq mi
5.8 sq mi of land
Median age
33.6
2024 ACS 5-Year
City
San Diego
California
Metro area
San Diego-Chula Vista-Carlsbad, CA
Nearest major airport
TRM
82 mi · Jacqueline Cochran Rgnl
Median home value
$635,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.3% is lower than 70% of the 1,061 measured US ZIP areas.

Employment fell 1.1% over the past year, to 707,210 employed residents.

MetricValueCompared with peersSource period
Median household income ±$4,318$68,563Bottom 45%2024 ACS 5-Year
Per capita income ±$1,765$29,443Bottom 25%2024 ACS 5-Year
Poverty rate20.3%Top 18%2024 ACS 5-Year
Average commute26.9 minBottom 45%2024 ACS 5-Year
Bachelor's degree or higher22.6%Bottom 48%2024 ACS 5-Year
Employment707,210Top 29%June 2026
Employment change (3 years)0.2%Bottom 47%June 2026
Employment change (year over year)-1.1%Bottom 42%June 2026
Labor force738,799Top 29%June 2026
Labor force participation65.6%Top 30%2024 ACS 5-Year
Mean annual wage$79,060Top 12%2025 OEWS
Median annual wage$58,690Top 17%2025 OEWS
Unemployment change (year over year)-0.3%Bottom 41%June 2026
Unemployment rate4.3%Bottom 30%June 2026
Median household income, successive ACS releases
202120222023202469k52k
Each point is a separate five-year estimate, most recently $68,563 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — San Diego-Chula Vista-Carlsbad, CA
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides57,080$35,300
Fast Food and Counter Workers42,550$42,190
Retail Salespersons34,390$37,810
Cashiers30,420$37,020
Registered Nurses28,680$139,520
Office Clerks, General28,470$49,920

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for San Diego, CA, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $1,759 takes 31% of median household income, above the 30% threshold at which a household is considered cost-burdened.

A median home costs 9.3 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
30.8%
Above the 30% cost-burdened threshold
Home price to income
9.3×
median home value ÷ median income
Median gross rent
$1,759
2024 ACS 5-Year
Median home value
$635,600
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income9.27Top 3%2024 ACS 5-Year
Homeownership rate32.6%Bottom 4%2024 ACS 5-Year
Housing units ±1,09123,944Top 2%2024 ACS 5-Year
Median gross rent ±$39$1,759Top 14%2024 ACS 5-Year
Median home value ±$27,722$635,600Top 8%2024 ACS 5-Year
Rent as a share of income30.8%Top 5%2024 ACS 5-Year
Vacancy rate4.3%Bottom 19%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
49/ 100
Ranks 391 of 701 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

68% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 4.3 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
6,010
12 months ending July 2026
Per 1,000 residents
4.3
Top 47% nationally
Year over year
−14%
vs the prior twelve months
Multifamily share
67.7%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for San Diego, CA, the city containing this ZIP code.

Weather & climate

12 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 75°F and January a low of 50°F.

Normal annual precipitation is 9.8 inches.

40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station SAN DIEGO LINDBERGH FLD, 5.4 miles from this location.
Precipitation
JFMAMJJASOND2.2"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation9.8"1991-2020 Normals
Average January low50°F1991-2020 Normals
Average July high75°F1991-2020 Normals
Comfortable months121991-2020 Normals
Seasonal temperature swing15°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

8 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, wildfire and earthquake.

WildfireHigh
Inland floodingModerate
EarthquakeHigh
Heat waveModerate
AvalancheModerate

Low or minimal exposure: landslide, lightning, hail, coastal flooding, tornado, drought, tsunami, strong wind, winter weather, volcanic activity, hurricane, cold wave.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

5 major airports lie within 100 miles, the nearest 82 miles away.

AirportCodeDistanceLongest runway
Jacqueline Cochran RgnlTRM82 mi8,500 ft
Palm Springs IntlPSP82 mi10,000 ft
San Bernardino IntlSBD94 mi10,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
47
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

92105 vs San Diego

How this ZIP area compares with San Diego as a whole. Both figures come from the same ACS release, so the comparison is like for like.

92105
San Diego
Median household income
$68,563
vs
$108,077
Per capita income
$29,443
vs
$57,083
Population density
12,406/sq mi
vs
4,261/sq mi
Median home value
$635,600
vs
$906,700
Median gross rent
$1,759
vs
$2,313
Homeownership rate
32.6%
vs
47.3%
Bachelor's degree or higher
22.6%
vs
51.0%
Poverty rate
20.3%
vs
11.0%
Median age
33.6
vs
36.2

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.