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
- $76,032
- Median income
- $813,100
- Median home value
- 27.0%
- Bachelor's or higher
The verdict
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.
ZIP code 92020 is classified by USPS as a standard delivery area and covers roughly 28.8 square miles in El Cajon, San Diego County, California. The area is home to 57,767 residents, producing a population density of 2,002 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 92020 against California and the nation.
On the economic side, the median household income for ZIP 92020 sits at $76,032 (25% below the California average), while per-capita income is $36,450. The poverty rate stands at 15.8% and the unemployment rate at 8.8%. On housing, the median home value is $813,100 (5% above the state average) with median rent at $1,865 per month, and 44.4% of occupied units are owner-occupied, a direct signal of whether 92020 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 27.0% of adults hold a bachelor's degree or higher, the median age is 37, and the average commute is 25 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Diego County, so you can benchmark 92020 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 92020
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$36,450
Per Capita Income
15.8%
Poverty Rate
8.8%
Unemployment Rate
24.7 min
Mean Commute Time
How ZIP 92020 ranks nationally
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?
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
$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 |
More ZIP Codes in San Diego County
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Frequently Asked Questions
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What is the population of ZIP code 92020? ▼
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How many businesses are in ZIP code 92020? ▼
What are the main industries in ZIP code 92020? ▼
How have home values changed in ZIP code 92020? ▼
What is the education level in ZIP code 92020? ▼
What is the average commute time in ZIP 92020? ▼
What percentage of residents own vs. rent in ZIP 92020? ▼
What is the poverty rate in ZIP code 92020? ▼
ZIP Code Research Guides
Official Data Resources for El Cajon, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.