ZIP Code · CA

ZIP 92069

Pop. 47,335·San Diego County·312th most expensive ZIP in California
Median rent (all units)
$3,066/mo
Year-over-Year
+2.9%
Month-over-Month
+0.1%
vs US Median
+$1,134
Reported rents
Stable (Monthly)
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Most AffordableMost Expensive
ZIP 92069 · $3,066
More expensive than 91% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$2,240
1 BR
$2,410
2 BR
$2,940
3 BR
$3,920
4 BR+
$4,750
Research median
$2,940/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

December. Asking rents in ZIP 92069 usually run 1% below trend in December and 1% above it in September, about $61 a month apart at today's median. Based on 8 years of data.

Compared with the peak

Rent in ZIP 92069 is at its highest level since Zillow's records here began in January 2018.

Past year vs. the rest of California

Rent in ZIP 92069 changed +2.9% 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 92069 rose 41.8% while median household income rose 35.4% ($71,488 to $96,771). Rent outpaced income.

Since before the pandemic

Rent in ZIP 92069 is 45.5% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 4 months in a row, and rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($96,771) is $2,419 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($2,410); a 2-bedroom is $2,940.

Cheaper nearby

ZIP 92026, 4 miles away, rents for 12% less ($2,695/mo), about $4,500 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 92069. 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
$36,792/yr
At $3,066/mo median
Location
StateCA
CountySan Diego County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (2.9% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+2.9% YoY, +0.1% MoM), not inventory.
Demographics

Who lives here

ZIP 92069 (San Marcos, CA) is majority owner-occupied, has a median income above the national average, 36.1% of residents hold a bachelor's degree or higher.

Population
47,335
Median income
$96,771
Median age
36.1
Renters
43.9%
Age distribution
23.9%
24.8%
27.4%
12.4%
Under 1823.9%
18–3424.8%
35–5427.4%
55–6411.3%
65+12.4%
Gender
48.6%
51.4%
Male48.6%
Female51.4%
Race & ethnicity
44.1%
45.5%
White44.1%
Black1.6%
Hispanic45.5%
Asian10.7%
Education (25+)
16.9%
21.1%
25.9%
36.1%
No HS diploma16.9%
HS diploma21.1%
Some college25.9%
Bachelor's+36.1%
Housing tenure
56.1%
43.9%
Owner56.1%
Renter43.9%

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

2021 vs 2026

How ZIP 92069 in San Marcos, CA has changed in 5 years

Rent
$2,274 → $3,066
up 34.8%
Income
$80,429 → $96,771
up 20.3%
Population
46,375 → 47,335
up 2.1%
Renter share
43.3% → 43.9%
+0.6 pts
Bachelor's+
33.7% → 36.1%
+2.4 pts
Median age
35.1 → 36.1
+1.0 yrs

Across the past five years, the going rent in ZIP 92069 in San Marcos, CA has shifted from $2,274 to $3,066, up 34.8% since 2021. Census figures show median household income at $96,771 today, compared with $80,429 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 92069 in San Marcos, CA adding about 960 residents over the five-year window, up 2.1% on net. Bachelor's-degree-or-higher attainment moved from 33.7% to 36.1% across the same window. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

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About renting in ZIP 92069

Last updated: October 17, 2026

ZIP code 92069 covers San Marcos, CA. The median rent here is $3,066/mo as of October 2026. A 1-bedroom rents for a median of $2,410/mo. A 2-bedroom rents for a median of $2,940/mo.

At 38% of local median household income ($96,771/yr), ZIP 92069 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.9% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 92069?

To keep rent at or below 30% of gross income, you would need to earn at least $123,000/year (about $59/hour full-time) to afford the median rent of $3,066/mo in ZIP 92069. The local median household income is $96,771/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 92069?

Rent in ZIP 92069 has risen 2.9% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2018.

When is the cheapest time to rent in ZIP 92069?

Asking rents in ZIP 92069 are usually lowest in December, about 1% below their yearly trend, and highest in September, about 1% above it. At today's median that is a gap of roughly $61 a month. This pattern comes from 8 years of Zillow rent data.

Has rent outpaced income in ZIP 92069?

Yes. From 2019 to 2024, rent in ZIP 92069 rose 41.8% while median household income rose 35.4%, from $71,488 to $96,771. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 92069 compare to other ZIPs in California?

ZIP 92069 is in the middle among California ZIP codes for rent, ranking #312 of 898 at $3,066/mo. Over the year to September 2026, rent in ZIP 92069 changed +2.9%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.

How does ZIP 92069 compare to the rest of San Marcos?

At $3,066/mo, ZIP 92069 is $245 below the San Marcos citywide median of $3,311/mo.
Income Affordability
38%
MODERATE

At $3,066/mo, rent takes ~38% of ZIP 92069's median household income ($96,771/yr). The standard benchmark is 30%.

ZIP 92069 38%Benchmark 30%
State income tax1–13.3%
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Schools nearby

Public schools near ZIP 92069 (San Marcos, CA)

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