El Cajon, CA · standard

ZIP Code 92021

San Diego County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

65,068
845/sq mi
$74,013
Median income
$611,900
Median home value
22.4%
Bachelor's or higher

The verdict

El Cajon pairs an above-median household income with top-decile home values, in a low-density, mixed-tenure and unusually populous area.

Top 47%
household income, US ZIPs
Top 9%
home value, US ZIPs
845
people per sq mi
54%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 92021 against every reporting US ZIP.

ZIP code 92021 is classified by USPS as a standard delivery area and covers roughly 77.0 square miles in El Cajon, San Diego County, California. The area is home to 65,068 residents, producing a population density of 845 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 92021 against California and the nation.

On the economic side, the median household income for ZIP 92021 sits at $74,013 (27% below the California average), while per-capita income is $35,192. The poverty rate stands at 18.5% and the unemployment rate at 8.0%. On housing, the median home value is $611,900 (21% below the state average) with median rent at $1,893 per month, and 53.8% of occupied units are owner-occupied, a direct signal of whether 92021 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 22.4% of adults hold a bachelor's degree or higher, the median age is 36.3, and the average commute is 26 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Diego County, so you can benchmark 92021 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 92021

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 92021.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 92021, 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

65,068

Population

77.0

Area (sq mi)

845

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 92021?

36.3

Median Age

48.1%

Male

51.9%

Female

22.2%

Foreign-Born

White 56.8%
African American 6.0%
Asian 5.1%
American Indian or Alaska Native 2.3%
Native Hawaiian or Pacific Islander 0.3%
Two or More Ethnicities 17.2%
Hispanic or Latino 31.2%

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?

$74,013

Median Household Income

-27% vs state

$35,192

Per Capita Income

18.5%

Poverty Rate

8.0%

Unemployment Rate

25.8 min

Mean Commute Time

How ZIP 92021 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$74,013 Top 47% higher than 53% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 50.9%
Bachelor's Degree or Higher 22.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

23,734

Total Housing Units

22,953

Occupied Units

781

Vacant Units

2.97

Avg Household Size

Occupancy Type

Owner 53.8%
Renter 46.2%

$611,900

Median Home Value

-21% vs state

$1,893

Median Rent

1977

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.9%

YoY Change (2024)

337

HPI Index (2000 = 100)

+237%

Total Change Since 2000

Home values in ZIP 92021 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +237% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.1% 226
2021 +15.2% 260
2022 +17.6% 306
2023 +3.0% 315
2024 +6.9% 337

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 1,315 business establishments in ZIP 92021, employing approximately 12,986 people with a combined annual payroll of $631,163,000.

1,315

Businesses

12,986

Employees

$631.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 249 18.9%
Retail trade 210 16.0%
Other services (except public administration) 150 11.4%
Health care and social assistance 131 10.0%
Accommodation and food services 126 9.6%
Real estate and rental and leasing 90 6.8%
Professional, scientific, and technical services 84 6.4%
Administrative and support and waste management and remediation services 72 5.5%
Transportation and warehousing 61 4.6%
Finance and insurance 46 3.5%
Manufacturing 32 2.4%
Wholesale trade 29 2.2%
Educational services 12 0.9%
Information 8 0.6%
Arts, entertainment, and recreation 8 0.6%
Industries not classified 4 0.3%

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 92021 vs 92019 →

ZIP 92021 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 92021 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 92021 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 92021 ranks #null of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
92019 El Cajon, CA 42,598 3.9 mi
92040 Lakeside, CA 41,281 5.0 mi
92071 Santee, CA 53,422 7.1 mi
92020 El Cajon, CA 57,767 6.4 mi
91978 Spring Valley, CA 8,896 8.7 mi
91941 La Mesa, CA 31,779 8.8 mi
91935 Jamul, CA 8,624 9.9 mi
92145 San Diego, CA 1,449 10.3 mi
91977 Spring Valley, CA 58,368 10.5 mi
92064 Poway, CA 47,904 13.4 mi

More ZIP Codes in San Diego County

Frequently Asked Questions

What county is ZIP code 92021 in?
ZIP code 92021 (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 92021?
ZIP code 92021 in El Cajon, CA has a population of 65,068 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 92021?
The median household income in ZIP 92021 is $74,013, which is 3% below the national average of $76,288.
What is the average home value in ZIP 92021?
The median home value in ZIP 92021 is $611,900, which is 120% above the national average of $278,155.
What is the demographic makeup of ZIP 92021?
The largest racial group in ZIP 92021 is White at 56.8%. Hispanic or Latino residents make up 31.2% of the population.
How many businesses are in ZIP code 92021?
ZIP code 92021 has 1,315 business establishments employing approximately 12,986 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 92021?
The top industries by establishment count in ZIP 92021 are: Construction (249), Retail trade (210), Other services (except public administration) (150). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 92021?
According to the FHFA House Price Index, home values in ZIP 92021 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 237%. 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 92021?
In ZIP code 92021, 50.9% of residents aged 25+ have a high school diploma or higher, and 22.4% 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 92021?
The mean commute time for workers in ZIP code 92021 is 25.8 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 92021?
In ZIP code 92021, approximately 53.8% of occupied housing units are owner-occupied and 46.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 92021?
The poverty rate in ZIP code 92021 is 18.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for El Cajon, CA

Verify and explore additional data for this area using these official government sources.