PlainZIP

San Diego, CA · standard

ZIP Code 92109

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

45,787
2,326/sq mi
$122,128
Median income
$1,226,900
Median home value
69.7%
Bachelor's or higher

The verdict

San Diego pairs a top-decile household income with top-decile home values, in a suburban-density, renter-heavy area.

Top 9%
household income, US ZIPs
Top 1%
home value, US ZIPs
2,326
people per sq mi
31%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 92109 against every reporting US ZIP.

ZIP code 92109 is a densely settled ZIP (a standard USPS delivery area) in San Diego, San Diego County, California, with 45,787 residents across 19.7 square miles, a density of 2,326 people per square mile, in the Los Angeles time zone.

ZIP 92109 skews affluent, with a median household income of $122,128 (20% above the California average), while per-capita income is $81,571. 8.7% of residents live below the poverty line, and the unemployment rate reads 4.7%. On housing, the median home value is $1,226,900 (59% above the state average) with median rent at $2,421 per month, and 31.2% of occupied units are owner-occupied.

This is a highly-educated ZIP: 69.7% of adults hold a bachelor's degree or higher, the median age is 33.4, and the average commute is 24 minutes. To put 92109 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in San Diego County, for a geography-aware comparison.

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 92109

Top 5 sectors by establishment count in San Diego, CA

Which industries have the most business establishments in ZIP 92109.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 92109, 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

45,787

Population

19.7

Area (sq mi)

2,326

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 92109?

33.4

Median Age

53.3%

Male

46.7%

Female

11.2%

Foreign-Born

White 77.9%
African American 1.9%
Asian 3.5%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.4%
Two or More Ethnicities 11.5%
Hispanic or Latino 11.3%

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?

$122,128

Median Household Income

+20% vs state

$81,571

Per Capita Income

8.7%

Poverty Rate

4.7%

Unemployment Rate

23.8 min

Mean Commute Time

How ZIP 92109 ranks nationally

San Diego, CA household income vs. every US ZIP code

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

$122,128 Top 9% higher than 91% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 77.5%
Bachelor's Degree or Higher 69.7%

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

What does housing look like?

26,774

Total Housing Units

22,646

Occupied Units

4,128

Vacant Units

1.97

Avg Household Size

Occupancy Type

Owner 31.2%
Renter 68.8%

$1,226,900

Median Home Value

+59% vs state

$2,421

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

+11.6%

YoY Change (2022)

297

HPI Index (2000 = 100)

+197%

Total Change Since 2000

Home values in ZIP 92109 have increased 11.6% over the past year (2022). Since 2000, this ZIP has seen +197% cumulative appreciation.

Year Annual Change HPI Index
2018 +3.8% 256
2019 +5.4% 270
2020 -3.6% 260
2021 +2.2% 266
2022 +11.6% 297

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 2022. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,850 business establishments in ZIP 92109, employing approximately 21,935 people with a combined annual payroll of $960,403,000.

1,850

Businesses

21,935

Employees

$960.4M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 314 17.0%
Accommodation and food services 264 14.3%
Real estate and rental and leasing 231 12.5%
Retail trade 186 10.1%
Health care and social assistance 184 9.9%
Other services (except public administration) 177 9.6%
Construction 102 5.5%
Finance and insurance 82 4.4%
Arts, entertainment, and recreation 66 3.6%
Administrative and support and waste management and remediation services 63 3.4%
Wholesale trade 45 2.4%
Educational services 42 2.3%
Manufacturing 32 1.7%
Information 31 1.7%
Transportation and warehousing 22 1.2%
Management of companies and enterprises 5 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 92109 vs 92110 →

ZIP 92109 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 92109 ranks #3 by population - useful context the national average alone can't give.

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

ZIP 92109 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 92109 ranks #3 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
92110 San Diego, CA 25,341 2.5 mi
92107 San Diego, CA 28,651 3.3 mi
92117 San Diego, CA 51,332 3.3 mi
92147 San Diego, CA 559 4.4 mi
92106 San Diego, CA 19,330 5.1 mi
92140 San Diego, CA 3,435 3.8 mi
92111 San Diego, CA 45,096 4.0 mi
92037 La Jolla, CA 46,781 4.8 mi
92108 San Diego, CA 18,858 5.3 mi
92103 San Diego, CA 31,066 4.7 mi

More ZIP Codes in San Diego County

91911 standard
Chula Vista, CA
Pop: 82,999
92154 standard
San Diego, CA
Pop: 79,708
91910 standard
Chula Vista, CA
Pop: 75,802
92126 standard
San Diego, CA
Pop: 73,343
92105 standard
San Diego, CA
Pop: 69,813
92114 standard
San Diego, CA
Pop: 65,433

Related Areas

San Diego County San Diego, CA California

Frequently Asked Questions

What county is ZIP code 92109 in? ▼
ZIP code 92109 (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 92109? ▼
ZIP code 92109 in San Diego, CA has a population of 45,787 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 92109? ▼
The median household income in ZIP 92109 is $122,128, which is 60% above the national average of $76,288.
What is the average home value in ZIP 92109? ▼
The median home value in ZIP 92109 is $1,226,900, which is 341% above the national average of $278,155.
What is the demographic makeup of ZIP 92109? ▼
The largest racial group in ZIP 92109 is White at 77.9%. Hispanic or Latino residents make up 11.3% of the population.
How many businesses are in ZIP code 92109? ▼
ZIP code 92109 has 1,850 business establishments employing approximately 21,935 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 92109? ▼
The top industries by establishment count in ZIP 92109 are: Professional, scientific, and technical services (314), Accommodation and food services (264), Real estate and rental and leasing (231). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 92109? ▼
According to the FHFA House Price Index, home values in ZIP 92109 increased by 11.6% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 197%. 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 92109? ▼
In ZIP code 92109, 77.5% of residents aged 25+ have a high school diploma or higher, and 69.7% 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 92109? ▼
The mean commute time for workers in ZIP code 92109 is 23.8 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 92109? ▼
In ZIP code 92109, approximately 31.2% of occupied housing units are owner-occupied and 68.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 92109? ▼
The poverty rate in ZIP code 92109 is 8.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.