ZIP Code · CA

ZIP 92054

Part of Oceanside, CA

Pop. 38,417·San Diego County·346th most expensive ZIP in California

Median rent (all units)

$2,990/mo

Year-over-Year

+2.5%

Month-over-Month

+0.6%

vs US Median

+$1,058

Reported rents

Rising (Monthly)

Be the first to discuss 92054 rents ↓

Most AffordableMost Expensive

ZIP 92054 · $2,990

More expensive than 90% of US ZIP codes · National median $1,932/mo

Rent check

Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$2,170

1 BR

$2,330

2 BR

$2,840

3 BR

$3,780

4 BR+

$4,590

Research median

$2,840/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

Loading…

Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in ZIP 92054 usually run 0.6% below trend in January and 0.4% above it in July, about $30 a month apart at today's median. Based on 11 years of data.

Compared with the peak

Rent in ZIP 92054 is at its highest level since Zillow's records here began in January 2015.

Past year vs. the rest of California

Rent in ZIP 92054 changed +2.5% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 92054 rose 45.7% while median household income rose 30% ($63,404 to $82,408). Rent outpaced income.

Since before the pandemic

Rent in ZIP 92054 is 52.6% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($82,408) is $2,060 a month. That is less than HUD's Fair Market Rent for a studio ($2,170).

Rank in Oceanside

3rd cheapest of 4 ZIP codes in Oceanside.

Cheaper nearby

ZIP 92083, 6 miles away, rents for 10% less ($2,680/mo), about $3,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 92054. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$35,880/yr

At $2,990/mo median

Location

CityOceanside

StateCA

CountySan Diego County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.5% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.5% YoY, +0.6% MoM), not inventory.

Demographics

Who lives here

ZIP 92054 (Oceanside, CA) is majority renter-occupied, 39.1% of residents hold a bachelor's degree or higher.

Population

38,417

Median income

$82,408

Median age

39.1

Renters

60.9%

Age distribution

16%

28.1%

28.2%

13.1%

14.5%

Under 1816%

18–3428.1%

35–5428.2%

55–6413.1%

65+14.5%

Gender

52.6%

47.4%

Male52.6%

Female47.4%

Race & ethnicity

50.6%

39.3%

White50.6%

Black4.8%

Hispanic39.3%

Asian4.3%

Other1.1%

Education (25+)

13.4%

19%

28.6%

39.1%

No HS diploma13.4%

HS diploma19%

Some college28.6%

Bachelor's+39.1%

Housing tenure

39.1%

60.9%

Owner39.1%

Renter60.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 92054 in Oceanside, CA has changed in 5 years

Rent

$2,133 → $2,990

up 40.2%

Income

$64,694 → $82,408

up 27.4%

Population

37,567 → 38,417

up 2.3%

Renter share

59.5% → 60.9%

+1.4 pts

Bachelor's+

34.3% → 39.1%

+4.8 pts

Median age

36.4 → 39.1

+2.7 yrs

Across the past five years, the going rent in ZIP 92054 in Oceanside, CA has shifted from $2,133 to $2,990, up 40.2% since 2021. Census figures show median household income at $82,408 today, compared with $64,694 five years earlier. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 92054 in Oceanside, CA adding about 850 residents over the five-year window, up 2.3% on net. Bachelor's-degree-or-higher attainment moved from 34.3% to 39.1% across the same window. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

Community

Discussions about ZIP 92054

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 92054

About renting in ZIP 92054

Last updated: October 17, 2026

ZIP code 92054 covers Oceanside, CA. The median rent here is $2,990/mo as of October 2026. A 1-bedroom rents for a median of $2,330/mo. A 2-bedroom rents for a median of $2,840/mo.

At 44% of local median household income ($82,408/yr), ZIP 92054 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.5% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 92054?

To keep rent at or below 30% of gross income, you would need to earn at least $120,000/year (about $58/hour full-time) to afford the median rent of $2,990/mo in ZIP 92054. The local median household income is $82,408/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 92054?

Rent in ZIP 92054 has risen 2.5% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2015.

When is the cheapest time to rent in ZIP 92054?

Asking rents in ZIP 92054 are usually lowest in January, about 0.6% below their yearly trend, and highest in July, about 0.4% above it. At today's median that is a gap of roughly $30 a month. This pattern comes from 11 years of Zillow rent data.

Has rent outpaced income in ZIP 92054?

Yes. From 2019 to 2024, rent in ZIP 92054 rose 45.7% while median household income rose 30%, from $63,404 to $82,408. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 92054 compare to other ZIPs in California?

ZIP 92054 is in the middle among California ZIP codes for rent, ranking #346 of 898 at $2,990/mo. Over the year to September 2026, rent in ZIP 92054 changed +2.5%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.