ZIP Code · CA

ZIP 92056

Part of Oceanside, CA

Pop. 53,616·San Diego County·433rd most expensive ZIP in California

Median rent (all units)

$2,827/mo

Year-over-Year

+1.1%

Month-over-Month

-0.3%

vs US Median

+$895

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 92056 · $2,827

More expensive than 87% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$2,670

1 BR

$2,870

2 BR

$3,500

3 BR

$4,660

4 BR+

$5,650

Research median

$3,500/mo

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

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

March. Asking rents in ZIP 92056 usually run 0.6% below trend in March and 0.7% above it in September, about $37 a month apart at today's median. Based on 10 years of data.

Compared with the peak

Rent in ZIP 92056 is 0.4% below its high of $2,839 in April 2026, at $2,827 as of September 2026.

Past year vs. the rest of California

Rent in ZIP 92056 changed +1.1% 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 92056 rose 43.9% while median household income rose 30.3% ($81,583 to $106,272). Rent outpaced income.

Since before the pandemic

Rent in ZIP 92056 is 46.7% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($106,272) is $2,657 a month. That is less than HUD's Fair Market Rent for a studio ($2,670).

Rank in Oceanside

2nd cheapest of 4 ZIP codes in Oceanside.

From Zillow's monthly rent index (ZORI) for ZIP 92056. 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

$33,924/yr

At $2,827/mo median

Location

CityOceanside

StateCA

CountySan Diego County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+1.1% YoY, -0.3% MoM), not inventory.

Demographics

Who lives here

ZIP 92056 (Oceanside, CA) is majority owner-occupied, has a large retiree population, has a median income above the national average, 41.3% of residents hold a bachelor's degree or higher.

Population

53,616

Median income

$106,272

Median age

40.4

Renters

31.9%

Age distribution

20.3%

22.7%

23.1%

12.7%

21.1%

Under 1820.3%

18–3422.7%

35–5423.1%

55–6412.7%

65+21.1%

Gender

50.8%

49.2%

Male50.8%

Female49.2%

Race & ethnicity

51.3%

32.7%

White51.3%

Black3.3%

Hispanic32.7%

Asian10%

Other2.6%

Education (25+)

16.7%

31.9%

41.3%

No HS diploma10%

HS diploma16.7%

Some college31.9%

Bachelor's+41.3%

Housing tenure

68.1%

31.9%

Owner68.1%

Renter31.9%

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

2021 vs 2026

How ZIP 92056 in Oceanside, CA has changed in 5 years

Rent

$2,069 → $2,827

up 36.6%

Income

$90,777 → $106,272

up 17.1%

Population

54,045 → 53,616

down 0.8%

Renter share

35.7% → 31.9%

-3.8 pts

Bachelor's+

36.3% → 41.3%

+5.0 pts

Median age

38.1 → 40.4

+2.3 yrs

Across the past five years, the going rent in ZIP 92056 in Oceanside, CA has shifted from $2,069 to $2,827, up 36.6% since 2021. Census figures show median household income at $106,272 today, compared with $90,777 five years earlier. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. The renter share has eased from 35.7% to 31.9%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 36.3% to 41.3% across the same window. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

Community

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Local insights

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About renting in ZIP 92056

Last updated: October 17, 2026

ZIP code 92056 covers Oceanside, CA. The median rent here is $2,827/mo as of October 2026. A 1-bedroom rents for a median of $2,870/mo. A 2-bedroom rents for a median of $3,500/mo.

At 32% of local median household income ($106,272/yr), ZIP 92056 ranks as moderate compared to the national benchmark of 30%. Rents have increased 1.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 92056?

To keep rent at or below 30% of gross income, you would need to earn at least $113,000/year (about $54/hour full-time) to afford the median rent of $2,827/mo in ZIP 92056. The local median household income is $106,272/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 92056?

Rent in ZIP 92056 has risen 1.1% over the past year as of September 2026. It sits 0.4% below its high of $2,839 in April 2026.

When is the cheapest time to rent in ZIP 92056?

Asking rents in ZIP 92056 are usually lowest in March, about 0.6% below their yearly trend, and highest in September, about 0.7% above it. At today's median that is a gap of roughly $37 a month. This pattern comes from 10 years of Zillow rent data.

Has rent outpaced income in ZIP 92056?

Yes. From 2019 to 2024, rent in ZIP 92056 rose 43.9% while median household income rose 30.3%, from $81,583 to $106,272. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 92056 compare to other ZIPs in California?

ZIP 92056 is in the middle among California ZIP codes for rent, ranking #433 of 898 at $2,827/mo. Over the year to September 2026, rent in ZIP 92056 changed +1.1%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.