National City, CA—91950
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — National City, CA
As of Oct '25, the median home price in National City, CA is $675,000, with a year-over-year change of -1.9%. This indicates that home prices in National City, CA are decreasing. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $675,000 | -2.0% |
| Single Family | $689,000 | -1.7% |
| Condos | $476,000 | -1.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $394,000 | 2.6% |
2 Bed | $594,000 | -0.3% |
3 Bed | $690,000 | -1.4% |
4 Bed | $761,000 | -0.8% |
| 5 Bed | $834,000 | -1.1% |
% of Housing Stock
Rental Trends — National City, CA
As of July '25, Rentcast reports the average rent in National City, CA is $2,500, with a year-over-year rent change of -9.4%. Per bedroom, the median rent as of July '25 in National City, CA is studios: $1,780, 1-bedrooms: $1,880, 2-bedrooms: $2,550, 3-bedrooms: $3,380, 4-bedrooms: $3,770. The most common rental property sizes in National City, CA are 2-bedroom and 1-bedroom, accounting for 40.7% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,300 | $2,500 |
| Studio Rent | $1,800 | $1,780 |
| 1 Bed Rent | $1,850 | $1,880 |
| 2 Bed Rent | $2,600 | $2,550 |
| 3 Bed Rent | $3,550 | $3,380 |
| 4 Bed Rent | $3,650 | $3,770 |
% of Rental Stock
Property Listings — National City, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in National City, CA is 75. This is a increase of 54.0% 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 4.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $622,000 | -7.0% |
Listing Count | 45 | 21.0% |
| Listings as % of Homes | 0.3% | 21.0% |
Days on Market | 75 | 54.0% |
Demographics — National City, CA
As of the latest ACS Survey released in 2023, National City, CA has a population of 57,200, which has decreased by -8.7% over the past 5 years. National City, CA is a moderately popular place for families, as children make up 23.2% of the population. The area has a poorly educated workforce, with 16.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 57,200 | -8.7% |
% Under 18 | 23.2% | 9.4% |
% Seniors | 15.3% | 21.4% |
% WFH | 6.2% | -16.2% |
% w/ College Degree | 16.5% | 12.2% |
As of the latest ACS Survey released in 2023, National City, CA is a predominantly hispanic area, with 66.9% of the population identifying as hispanic. The hispanic population has grown by 4.0% in the last 5 years. The second most common race or ethnicity in National City, CA is asian, making up 16.4% of the population. Foreign-born residents account for 36.8% of the population in National City, CA, and this percentage has decreased by 6.6% 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 | 9.1% | -13.3% |
% Black | 4.3% | -17.3% |
% Hispanic | 66.9% | 4.0% |
% Asian | 16.4% | -11.8% |
% Foreign Born | 36.8% | -6.6% |
Mortgage and Risk — National City, CA
According to HUD data as of 2023, there were 316 mortgage originations in National City, CA, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in National City, CA. Investor activity is low, as 5.0% of loans were by investors. 21.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 316 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 5.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 21.0% |
Loan Activity
Rentals and Section 8 — National City, CA
As of 2024, the percent of homes in National City, CA under the Section 8 program is 15.8%. 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 National City, CA, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 1,895 |
Total Units Section 8 | 1,820 |
% Rentals under Section 8 | 15.8% |
% Occupied Section 8 | 95.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$110 | $1,850 | $1,740 |
| 2 Bedroom | -$450 | $2,600 | $2,150 |
| 3 Bedroom | -$680 | $3,550 | $2,870 |
| 4 Bedroom | -$150 | $3,650 | $3,500 |
Affordability — National City, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.8 |
| Median Home Price | $675,000 |
| Median Household Income | $63,900 |