San Diego, CA · standard
ZIP Code 92104
San Diego County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 44,414
- 4,531/sq mi High-density area
- $94,014
- Median income Above-median income area
- $914,700
- Median home value Above-median home value
- 54.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
San Diego pairs an upper-quartile household income with top-decile home values, in a suburban-density, renter-heavy area.
- Top 23%
- household income, US ZIPs
- Top 3%
- home value, US ZIPs
- 4,531
- people per sq mi
- 29%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 92104 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 92104 (San Diego, CA) rose +12.1% from 2023 to 2024. The all-transactions index moved from 406.3 in 2023 to 455.3 in 2024 (2000 = 100).
ZIP code 92104 is a densely settled ZIP (a standard USPS delivery area) in San Diego, San Diego County, California, with 44,414 residents across 9.8 square miles, a density of 4,531 people per square mile, in the Los Angeles time zone.
ZIP 92104 lands in the middle-income range, with a median household income of $94,014 (8% below the average California ZIP), while per-capita income is $61,459. The poverty rate is 11.0%, with unemployment at 5.7%; those measures add context to the income figure. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $914,700 (18% above the average California ZIP), with only 28.8% owner-occupied homes and median rent of $1,993.
This is a highly-educated ZIP: 54.8% of adults hold a bachelor's degree or higher, the median age is 35.2, and the average commute is 22 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in San Diego County, so 92104 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 92104
Top 5 sectors by establishment count in San Diego, CA
Which industries have the most business establishments in ZIP 92104.
- Professional, scientific, and technical services
Professional, scientific, and technical services
195 establishments
- Accommodation and food services
Accommodation and food services
182 establishments
- Other services (except public administration)
Other services (except public administration)
133 establishments
- Retail trade
Retail trade
132 establishments
- Health care and social assistance
Health care and social assistance
93 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 92104, San Diego, 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
44,414
Population
9.8
Area (sq mi)
4,531
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 92104?
35.2
Median Age
51.2%
Male
48.8%
Female
17.8%
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?
$94,014
Median Household Income
-8% vs state ZIP avg
$61,459
Per Capita Income
11.0%
Poverty Rate
5.7%
Unemployment Rate
22.2 min
Mean Commute Time
How ZIP 92104 ranks nationally
San Diego, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$94,014 Top 23% higher than 77% 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
25,064housing units
25,064
Total Housing Units
23,661
Occupied Units
1,403
Vacant Units
2.00
Avg Household Size
Occupancy Type
$914,700
Median Home Value
+18% vs state ZIP avg
$1,993
Median Rent
1972
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
+12.1%
YoY Change (2024)
455
HPI Index (2000 = 100)
+355%
Total Change Since 2000
Home values in ZIP 92104 have increased 12.1% over the past year (2024). Since 2000, this ZIP has seen +355% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.4% | 311 |
| 2021 | +12.3% | 350 |
| 2022 | +18.8% | 415 |
| 2023 | -2.2% | 406 |
| 2024 | +12.1% | 455 |
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 1,056 business establishments in ZIP 92104, employing approximately 9,070 people with a combined annual payroll of $361,664,000.
1,056
Businesses
9,070
Employees
$361.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 195 | 18.5% |
| Accommodation and food services | 182 | 17.2% |
| Other services (except public administration) | 133 | 12.6% |
| Retail trade | 132 | 12.5% |
| Health care and social assistance | 93 | 8.8% |
| Real estate and rental and leasing | 79 | 7.5% |
| Construction | 48 | 4.5% |
| Finance and insurance | 43 | 4.1% |
| Administrative and support and waste management and remediation services | 36 | 3.4% |
| Educational services | 27 | 2.6% |
| Arts, entertainment, and recreation | 26 | 2.5% |
| Information | 20 | 1.9% |
| Manufacturing | 19 | 1.8% |
| Wholesale trade | 14 | 1.3% |
| Transportation and warehousing | 6 | 0.6% |
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 92104 vs 92116 →
ZIP 92104 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 92105
San Diego (92105)
69,813 residents
- 92113
San Diego (92113)
56,066 residents
- 92104
San Diego (92104)
44,414 residents
- 92102
San Diego (92102)
43,267 residents
- 92101
San Diego (92101)
37,095 residents
- 92116
San Diego (92116)
31,680 residents
- 92103
San Diego (92103)
31,066 residents
- 92108 18,858
San Diego (92108)
18,858 residents
- 92140 3,435
San Diego (92140)
3,435 residents
What this shows Among its immediate neighbors, ZIP 92104 ranks #3 by population - useful context the national average alone can't give.
ZIP 92104 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 92108
San Diego (92108)
$103,884 median income
- 92103
San Diego (92103)
$102,626 median income
- 92116
San Diego (92116)
$98,154 median income
- 92104
San Diego (92104)
$94,014 median income
- 92101
San Diego (92101)
$91,566 median income
- 92102
San Diego (92102)
$77,248 median income
- 92105
San Diego (92105)
$68,563 median income
- 92113
San Diego (92113)
$61,819 median income
What this shows By household income, ZIP 92104 ranks #4 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 92116 | San Diego, CA | 31,680 | 1.6 mi |
| 92134 | San Diego, CA | 198 | 1.6 mi |
| 92102 | San Diego, CA | 43,267 | 1.9 mi |
| 92105 | San Diego, CA | 69,813 | 2.1 mi |
| 92103 | San Diego, CA | 31,066 | 2.3 mi |
| 92108 | San Diego, CA | 18,858 | 2.4 mi |
| 92113 | San Diego, CA | 56,066 | 3.2 mi |
| 92101 | San Diego, CA | 37,095 | 2.8 mi |
| 92140 | San Diego, CA | 3,435 | 4.1 mi |
| 92132 | San Diego, CA | 0 | 3.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 92104, 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 (44,414 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 92104 in?
ZIP code 92104 (San Diego) 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 92104?
ZIP code 92104 in San Diego, CA has a population of 44,414 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 92104?
The median household income in ZIP 92104 is $94,014, which is 23% above the national average of $76,288.
What is the average home value in ZIP 92104?
The median home value in ZIP 92104 is $914,700, which is 229% above the national average of $278,155.
What is the demographic makeup of ZIP 92104?
The largest racial group in ZIP 92104 is White at 55.5%. Hispanic or Latino residents make up 33.6% of the population.
How many businesses are in ZIP code 92104?
ZIP code 92104 has 1,056 business establishments employing approximately 9,070 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 92104?
The top industries by establishment count in ZIP 92104 are: Professional, scientific, and technical services (195), Accommodation and food services (182), Other services (except public administration) (133). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 92104?
According to the FHFA House Price Index, home values in ZIP 92104 increased by 12.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 355%. 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 92104?
In ZIP code 92104, 65.4% of residents aged 25+ have a high school diploma or higher, and 54.8% 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 92104?
The mean commute time for workers in ZIP code 92104 is 22.2 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 92104?
In ZIP code 92104, approximately 28.8% of occupied housing units are owner-occupied and 71.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 92104?
The poverty rate in ZIP code 92104 is 11.0% 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 92104's numbers, next.
- See how ZIP 92104 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where San Diego, 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.