El Cajon, CA · standard
ZIP Code 92020
San Diego County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 57,767
- 2,002/sq mi High-density area
- $76,032
- Median income Near-median income area
- $813,100
- Median home value Above-median home value
- 27.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
El Cajon pairs an above-median household income with top-decile home values, in a suburban-density, mixed-tenure and unusually populous area.
- Top 44%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 2,002
- people per sq mi
- 44%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 92020 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 92020 (El Cajon, CA) rose +6.8% from 2023 to 2024. The all-transactions index moved from 329.0 in 2023 to 351.3 in 2024 (2000 = 100).
ZIP code 92020 is a densely settled ZIP (a standard USPS delivery area) in El Cajon, San Diego County, California, with 57,767 residents across 28.8 square miles, a density of 2,002 people per square mile, in the Los Angeles time zone.
ZIP 92020 lands in the middle-income range, with a median household income of $76,032 (25% below the average California ZIP), while per-capita income is $36,450. The poverty rate is 15.8%, with unemployment at 8.8%; those measures add context to the income figure. Median home value is $813,100 (5% above the average California ZIP) and median rent is $1,865; 44.4% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 27.0% of adults hold a bachelor's degree or higher, the median age is 37, and the average commute is 25 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in San Diego County, so 92020 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 92020
Top 5 sectors by establishment count in El Cajon, CA
Which industries have the most business establishments in ZIP 92020.
- Retail trade
Retail trade
285 establishments
- Construction
Construction
265 establishments
- Health care and social assistance
Health care and social assistance
207 establishments
- Other services (except public administration)
Other services (except public administration)
197 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
170 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 92020, El Cajon, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
57,767
Population
28.8
Area (sq mi)
2,002
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 92020?
37.0
Median Age
49.6%
Male
50.4%
Female
26.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$76,032
Median Household Income
-25% vs state ZIP avg
$36,450
Per Capita Income
15.8%
Poverty Rate
8.8%
Unemployment Rate
24.7 min
Mean Commute Time
How ZIP 92020 ranks nationally
El Cajon, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$76,032 Top 44% higher than 56% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
20,414housing units
20,414
Total Housing Units
19,586
Occupied Units
828
Vacant Units
2.88
Avg Household Size
Occupancy Type
$813,100
Median Home Value
+5% vs state ZIP avg
$1,865
Median Rent
1973
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+6.8%
YoY Change (2024)
351
HPI Index (2000 = 100)
+251%
Total Change Since 2000
Home values in ZIP 92020 have increased 6.8% over the past year (2024). Since 2000, this ZIP has seen +251% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.0% | 231 |
| 2021 | +14.1% | 263 |
| 2022 | +17.5% | 309 |
| 2023 | +6.4% | 329 |
| 2024 | +6.8% | 351 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,964 business establishments in ZIP 92020, employing approximately 30,445 people with a combined annual payroll of $1,769,390,000.
1,964
Businesses
30,445
Employees
$1.8B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 285 | 14.5% |
| Construction | 265 | 13.5% |
| Health care and social assistance | 207 | 10.5% |
| Other services (except public administration) | 197 | 10.0% |
| Professional, scientific, and technical services | 170 | 8.7% |
| Manufacturing | 144 | 7.3% |
| Wholesale trade | 126 | 6.4% |
| Accommodation and food services | 126 | 6.4% |
| Administrative and support and waste management and remediation services | 107 | 5.5% |
| Real estate and rental and leasing | 105 | 5.3% |
| Transportation and warehousing | 89 | 4.5% |
| Finance and insurance | 58 | 3.0% |
| Arts, entertainment, and recreation | 28 | 1.4% |
| Educational services | 27 | 1.4% |
| Information | 19 | 1.0% |
| Utilities | 6 | 0.3% |
| Management of companies and enterprises | 3 | 0.1% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 92020 vs 91941 →
ZIP 92020 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 92115
San Diego (92115)
58,560 residents
- 91977
Spring Valley (91977)
58,368 residents
- 92020
El Cajon (92020)
57,767 residents
- 92071
Santee (92071)
53,422 residents
- 92019
El Cajon (92019)
42,598 residents
- 91942
La Mesa (91942)
38,069 residents
- 91941
La Mesa (91941)
31,779 residents
- 92120
San Diego (92120)
26,317 residents
- 91945
Lemon Grove (91945)
25,460 residents
What this shows Among its immediate neighbors, ZIP 92020 ranks #3 by population - useful context the national average alone can't give.
ZIP 92020 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 92120
San Diego (92120)
$120,661 median income
- 91941
La Mesa (91941)
$115,381 median income
- 92071
Santee (92071)
$113,618 median income
- 92119
San Diego (92119)
$113,435 median income
- 91978
Spring Valley (91978)
$113,170 median income
- 92019
El Cajon (92019)
$101,973 median income
- 91977
Spring Valley (91977)
$99,657 median income
- 91942
La Mesa (91942)
$92,896 median income
- 91945
Lemon Grove (91945)
$88,016 median income
What this shows By household income, ZIP 92020 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 91941 | La Mesa, CA | 31,779 | 2.8 mi |
| 91942 | La Mesa, CA | 38,069 | 3.3 mi |
| 92071 | Santee, CA | 53,422 | 4.1 mi |
| 92119 | San Diego, CA | 23,057 | 3.8 mi |
| 91977 | Spring Valley, CA | 58,368 | 5.1 mi |
| 91978 | Spring Valley, CA | 8,896 | 5.2 mi |
| 92120 | San Diego, CA | 26,317 | 5.9 mi |
| 92019 | El Cajon, CA | 42,598 | 5.4 mi |
| 91945 | Lemon Grove, CA | 25,460 | 5.7 mi |
| 92115 | San Diego, CA | 58,560 | 6.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 92020, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (57,767 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in San Diego County
Related Areas
Frequently Asked Questions
What county is ZIP code 92020 in?
ZIP code 92020 (El Cajon) is located in San Diego County, California. San Diego County contains multiple ZIP codes, see the full list at /counties/san-diego-ca.
What is the population of ZIP code 92020?
ZIP code 92020 in El Cajon, CA has a population of 57,767 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 92020?
The median household income in ZIP 92020 is $76,032, which is 0% below the national average of $76,288.
What is the average home value in ZIP 92020?
The median home value in ZIP 92020 is $813,100, which is 192% above the national average of $278,155.
What is the demographic makeup of ZIP 92020?
The largest racial group in ZIP 92020 is White at 59.5%. Hispanic or Latino residents make up 27.9% of the population.
How many businesses are in ZIP code 92020?
ZIP code 92020 has 1,964 business establishments employing approximately 30,445 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 92020?
The top industries by establishment count in ZIP 92020 are: Retail trade (285), Construction (265), Health care and social assistance (207). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 92020?
According to the FHFA House Price Index, home values in ZIP 92020 increased by 6.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 251%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 92020?
In ZIP code 92020, 53.8% of residents aged 25+ have a high school diploma or higher, and 27.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 92020?
The mean commute time for workers in ZIP code 92020 is 24.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 92020?
In ZIP code 92020, approximately 44.4% of occupied housing units are owner-occupied and 55.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 92020?
The poverty rate in ZIP code 92020 is 15.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 92020's numbers, next.
- See how ZIP 92020 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where El Cajon, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.