Chula Vista, CA—91915
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Chula Vista, CA
As of Oct '25, the median home price in Chula Vista, CA is $843,000, with a year-over-year change of -2.4%. This indicates that home prices in Chula Vista, CA are decreasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $843,000 | -2.4% |
| Single Family | $928,000 | -1.6% |
| Condos | $687,000 | -3.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $601,000 | -3.8% |
3 Bed | $768,000 | -2.7% |
4 Bed | $963,000 | -1.3% |
| 5 Bed | $1,191,000 | 0.0% |
% of Housing Stock
Rental Trends — Chula Vista, CA
As of July '25, Rentcast reports the average rent in Chula Vista, CA is $3,620, with a year-over-year rent change of 0.3%. Per bedroom, the median rent as of July '25 in Chula Vista, CA is studios: $2,400, 1-bedrooms: $2,700, 2-bedrooms: $3,540, 3-bedrooms: $4,030, 4-bedrooms: $4,790. The most common rental property sizes in Chula Vista, CA are 3-bedroom and 2-bedroom, accounting for 46.4% and 21.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,500 | $3,620 |
| Studio Rent | $2,400 | $2,400 |
| 1 Bed Rent | $2,610 | $2,700 |
| 2 Bed Rent | $3,300 | $3,540 |
| 3 Bed Rent | $3,900 | $4,030 |
| 4 Bed Rent | $4,600 | $4,790 |
% of Rental Stock
Property Listings — Chula Vista, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Chula Vista, CA is 44. This is a increase of 17.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $794,000 | 0.0% |
Listing Count | 70 | 36.0% |
| Listings as % of Homes | 0.4% | 36.0% |
Days on Market | 44 | 17.0% |
Demographics — Chula Vista, CA
As of the latest ACS Survey released in 2023, Chula Vista, CA has a population of 35,400, which has increased by 11.5% over the past 5 years. Chula Vista, CA is a popular place for families, as children make up 30.0% of the population. The area has a highly educated workforce, with 51.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 35,400 | 11.5% |
% Under 18 | 30.0% | -3.5% |
% Seniors | 8.0% | 19.4% |
% WFH | 15.4% | 208.0% |
% w/ College Degree | 51.0% | 19.7% |
As of the latest ACS Survey released in 2023, Chula Vista, CA is a predominantly hispanic area, with 43.5% of the population identifying as hispanic. The hispanic population has shrunk by 9.8% in the last 5 years. The second most common race or ethnicity in Chula Vista, CA is asian, making up 23.1% of the population. Foreign-born residents account for 25.0% of the population in Chula Vista, CA, and this percentage has decreased by 7.4% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 19.8% | 21.5% |
% Black | 8.1% | 28.6% |
% Hispanic | 43.5% | -9.8% |
% Asian | 23.1% | 3.6% |
% Foreign Born | 25.0% | -7.4% |
Mortgage and Risk — Chula Vista, CA
According to HUD data as of 2023, there were 390 mortgage originations in Chula Vista, CA, of which 68.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Chula Vista, CA. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 390 |
% Conventional Loans | 68.0% |
% Government Loans | 32.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Chula Vista, CA
As of 2024, the percent of homes in Chula Vista, CA under the Section 8 program is 21.5%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Chula Vista, CA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 774 |
Total Units Section 8 | 774 |
% Rentals under Section 8 | 21.5% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $660 | $2,610 | $3,270 |
| 2 Bedroom | $750 | $3,300 | $4,050 |
| 3 Bedroom | $1,510 | $3,900 | $5,410 |
| 4 Bedroom | $1,990 | $4,600 | $6,590 |
Affordability — Chula Vista, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.7 |
| Median Home Price | $843,000 |
| Median Household Income | $138,000 |