Encinitas, CA—92007
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Encinitas, CA
Home Price Trends — Encinitas, CA
As of Oct '25, the median home price in Encinitas, CA is $2,000,000, with a year-over-year change of 0.8%. This indicates that home prices in Encinitas, CA are flat. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $2,000,000 | 0.8% |
| Single Family | $2,088,000 | 0.9% |
| Condos | $1,182,000 | 1.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $1,368,000 | 2.7% |
3 Bed | $1,862,000 | 0.3% |
4 Bed | $2,485,000 | -0.8% |
| 5 Bed | $3,292,000 | -1.0% |
% of Housing Stock
Rental Trends — Encinitas, CA
As of July '25, Rentcast reports the average rent in Encinitas, CA is $5,120, with a year-over-year rent change of -8.6%. Per bedroom, the median rent as of July '25 in Encinitas, CA is studios: $2,190, 1-bedrooms: $3,220, 2-bedrooms: $5,580, 3-bedrooms: $6,460, 4-bedrooms: $7,440. The most common rental property sizes in Encinitas, CA are 2-bedroom and 3-bedroom, accounting for 44.4% and 37.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $5,000 | $5,120 |
| Studio Rent | $2,100 | $2,190 |
| 1 Bed Rent | $2,800 | $3,220 |
| 2 Bed Rent | $5,300 | $5,580 |
| 3 Bed Rent | $6,500 | $6,460 |
| 4 Bed Rent | $6,000 | $7,440 |
% of Rental Stock
Property Listings — Encinitas, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Encinitas, CA is 24. This is a increase of 16.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $2,250,000 | -20.0% |
Listing Count | 27 | 7.0% |
| Listings as % of Homes | 0.4% | 7.0% |
Days on Market | 24 | 16.0% |
Demographics — Encinitas, CA
As of the latest ACS Survey released in 2023, Encinitas, CA has a population of 11,800, which has increased by 4.7% over the past 5 years. Encinitas, CA is a popular place for families, as children make up 25.4% of the population. The area has a highly educated workforce, with 68.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 24.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,800 | 4.7% |
% Under 18 | 25.4% | 30.3% |
% Seniors | 16.4% | -17.2% |
% WFH | 24.5% | 44.1% |
% w/ College Degree | 68.7% | 8.4% |
As of the latest ACS Survey released in 2023, Encinitas, CA is a predominantly white area, with 70.0% of the population identifying as white. The white population has shrunk by 17.8% in the last 5 years. The second most common race or ethnicity in Encinitas, CA is hispanic, making up 21.0% of the population. Foreign-born residents account for 12.8% of the population in Encinitas, CA, and this percentage has increased by 7.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 70.0% | -17.8% |
% Black | 0.4% | 33.3% |
% Hispanic | 21.0% | 114.3% |
% Asian | 3.7% | 60.9% |
% Foreign Born | 12.8% | 7.6% |
Mortgage and Risk — Encinitas, CA
According to HUD data as of 2023, there were 152 mortgage originations in Encinitas, CA, of which 97.0% of loans were conventional mortgages. The average loan-to-value was 43.0%, with 1.0% above 90% LTV (normal). This implies small mortgage risk in Encinitas, CA. Investor activity is low, as 3.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 152 |
% Conventional Loans | 97.0% |
% Government Loans | 3.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Encinitas, CA
As of 2024, the percent of homes in Encinitas, CA under the Section 8 program is 0.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Encinitas, CA, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 17 |
Total Units Section 8 | 17 |
% Rentals under Section 8 | 0.8% |
% Occupied Section 8 | 76.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $130 | $2,800 | $2,930 |
| 2 Bedroom | -$1,670 | $5,300 | $3,630 |
| 3 Bedroom | -$1,650 | $6,500 | $4,850 |
| 4 Bedroom | -$90 | $6,000 | $5,910 |
Affordability — Encinitas, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 10.9 |
| Median Home Price | $2,000,000 |
| Median Household Income | $165,000 |