ZIP Code · CA

ZIP 92101

Pop. 51,805·San Diego County·375th most expensive ZIP in California
Median rent (all units)
$2,917/mo
Year-over-Year
+1.9%
Month-over-Month
+0.3%
vs US Median
+$985
Reported rents
Stable (Monthly)
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Most AffordableMost Expensive
ZIP 92101 · $2,917
More expensive than 89% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$2,053
1 BR
$2,203
2 BR
$2,690
3 BR
$3,582
4 BR+
$4,343
Research median
$2,690/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

January. Asking rents in ZIP 92101 usually run 0.7% below trend in January and 0.7% above it in August, about $41 a month apart at today's median. Based on 11 years of data.

Compared with the peak

Rent in ZIP 92101 is at its highest level since Zillow's records here began in January 2015.

Past year vs. the rest of California

Rent in ZIP 92101 changed +1.9% 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 92101 rose 25.6% while median household income rose 27.3% ($71,925 to $91,566). Income kept ahead of rent.

Since before the pandemic

Rent in ZIP 92101 is 26.8% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 6 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($91,566) is $2,289 a month. That is less than HUD's Fair Market Rent for a studio ($3,290).

Rank in San Diego

14th cheapest of 33 ZIP codes in San Diego.

Cheaper nearby

ZIP 92102, 3 miles away, rents for 21% less ($2,301/mo), about $7,400 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 92101. 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
$35,004/yr
At $2,917/mo median
Location
StateCA
CountySan Diego County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (1.9% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+1.9% YoY, +0.3% MoM), not inventory.
Demographics

Who lives here

ZIP 92101 (San Diego, CA) is majority renter-occupied, skews toward younger working-age adults, has a median income above the national average, 58.1% of residents hold a bachelor's degree or higher.

Population
51,805
Median income
$91,566
Median age
37
Renters
77.4%
Age distribution
39.8%
31.6%
14%
Under 184.5%
18–3439.8%
35–5431.6%
55–6410.1%
65+14%
Gender
54.6%
45.4%
Male54.6%
Female45.4%
Race & ethnicity
58.3%
25.2%
White58.3%
Black8.6%
Hispanic25.2%
Asian9%
Education (25+)
23.7%
58.1%
No HS diploma7.8%
HS diploma10.5%
Some college23.7%
Bachelor's+58.1%
Housing tenure
22.6%
77.4%
Owner22.6%
Renter77.4%

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

2021 vs 2026

How ZIP 92101 in San Diego, CA has changed in 5 years

Rent
$2,367 → $2,917
up 23.2%
Income
$78,092 → $91,566
up 17.3%
Population
43,096 → 51,805
up 20.2%
Renter share
74.4% → 77.4%
+3.0 pts
Bachelor's+
55.1% → 58.1%
+3.0 pts

Rent in ZIP 92101 in San Diego, CA has increased 23.2% since 2021, going from about $2,367 per month to roughly $2,917 today. Household income in the area moved from $78,092 to $91,566 across the same window, up 17.3% versus 2021. Rent outpaced income growth by roughly 5.9 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. Headcount in the area went from 43,096 to 51,805 between 2021 and 2024, a 20.2% change. About 77.4% of households rent today, against 74.4% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 55.1% to 58.1%. Reading these numbers side by side helps frame whether current listings in ZIP 92101 in San Diego, CA look reasonable against where the market sat half a decade ago.

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Local insights

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About renting in ZIP 92101

Last updated: October 17, 2026

ZIP code 92101 covers San Diego, CA. The median rent here is $2,917/mo as of October 2026. A 1-bedroom rents for a median of $2,203/mo. A 2-bedroom rents for a median of $2,690/mo.

At 38% of local median household income ($91,566/yr), ZIP 92101 ranks as moderate compared to the national benchmark of 30%. Rents have increased 1.9% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 92101?

To keep rent at or below 30% of gross income, you would need to earn at least $117,000/year (about $56/hour full-time) to afford the median rent of $2,917/mo in ZIP 92101. The local median household income is $91,566/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 92101?

Rent in ZIP 92101 has risen 1.9% 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 92101?

Asking rents in ZIP 92101 are usually lowest in January, about 0.7% below their yearly trend, and highest in August, about 0.7% above it. At today's median that is a gap of roughly $41 a month. This pattern comes from 11 years of Zillow rent data.

Has rent outpaced income in ZIP 92101?

No. From 2019 to 2024, rent in ZIP 92101 rose 25.6% while median household income rose 27.3%, from $71,925 to $91,566. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 92101 compare to other ZIPs in California?

ZIP 92101 is in the middle among California ZIP codes for rent, ranking #375 of 898 at $2,917/mo. Over the year to September 2026, rent in ZIP 92101 changed +1.9%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.

How does ZIP 92101 compare to the rest of San Diego?

At $2,917/mo, ZIP 92101 is $87 below the San Diego citywide median of $3,004/mo. It is the 14th cheapest of 33 ZIP codes in San Diego.
Income Affordability
38%
MODERATE

At $2,917/mo, rent takes ~38% of ZIP 92101's median household income ($91,566/yr). The standard benchmark is 30%.

ZIP 92101 38%Benchmark 30%
State income tax1–13.3%
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Public schools near ZIP 92101 (San Diego, CA)

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