Oceanside, CA—92054
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oceanside, CA
As of Oct '25, the median home price in Oceanside, CA is $1,092,000, with a year-over-year change of -2.2%. This indicates that home prices in Oceanside, 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 | $1,092,000 | -2.3% |
| Single Family | $1,164,000 | -2.3% |
| Condos | $881,000 | -5.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $693,000 | -7.0% |
2 Bed | $1,029,000 | -2.0% |
3 Bed | $1,139,000 | -1.5% |
4 Bed | $1,328,000 | -0.8% |
| 5 Bed | $1,681,000 | -2.4% |
% of Housing Stock
Rental Trends — Oceanside, CA
As of July '25, Rentcast reports the average rent in Oceanside, CA is $3,520, with a year-over-year rent change of -5.4%. Per bedroom, the median rent as of July '25 in Oceanside, CA is studios: $2,330, 1-bedrooms: $2,390, 2-bedrooms: $3,770, 3-bedrooms: $4,910, 4-bedrooms: $5,770. The most common rental property sizes in Oceanside, CA are 2-bedroom and 1-bedroom, accounting for 40.1% and 35.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,000 | $3,520 |
| Studio Rent | $1,900 | $2,330 |
| 1 Bed Rent | $2,240 | $2,390 |
| 2 Bed Rent | $3,200 | $3,770 |
| 3 Bed Rent | $4,400 | $4,910 |
| 4 Bed Rent | $5,900 | $5,770 |
% of Rental Stock
Property Listings — Oceanside, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Oceanside, CA is 49. This is a increase of 11.0% 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 9.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,230,000 | 1.0% |
Listing Count | 115 | -10.0% |
| Listings as % of Homes | 0.3% | -10.0% |
Days on Market | 49 | 11.0% |
Demographics — Oceanside, CA
As of the latest ACS Survey released in 2023, Oceanside, CA has a population of 37,500, which has decreased by -11.0% over the past 5 years. Oceanside, CA is a moderately popular place for families, as children make up 16.2% of the population. The area has a moderately educated workforce, with 36.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 37,500 | -11.0% |
% Under 18 | 16.2% | -23.9% |
% Seniors | 14.2% | 23.5% |
% WFH | 17.0% | 209.1% |
% w/ College Degree | 36.2% | 20.3% |
As of the latest ACS Survey released in 2023, Oceanside, CA is a predominantly white area, with 45.8% of the population identifying as white. The white population has shrunk by 12.4% in the last 5 years. The second most common race or ethnicity in Oceanside, CA is hispanic, making up 40.9% of the population. Foreign-born residents account for 22.4% of the population in Oceanside, CA, and this percentage has increased by 45.5% 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 | 45.8% | -12.4% |
% Black | 3.3% | -10.8% |
% Hispanic | 40.9% | 12.1% |
% Asian | 4.3% | 48.3% |
% Foreign Born | 22.4% | 45.5% |
Mortgage and Risk — Oceanside, CA
According to HUD data as of 2023, there were 366 mortgage originations in Oceanside, CA, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 46.0%, with 11.0% above 90% LTV (elevated). This implies medium mortgage risk in Oceanside, CA. Investor activity is low, as 5.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 366 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 5.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Oceanside, CA
As of 2024, the percent of homes in Oceanside, CA under the Section 8 program is 7.2%. 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. In Oceanside, 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 | 751 |
Total Units Section 8 | 679 |
% Rentals under Section 8 | 7.2% |
% Occupied Section 8 | 86.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$80 | $2,240 | $2,160 |
| 2 Bedroom | -$530 | $3,200 | $2,670 |
| 3 Bedroom | -$830 | $4,400 | $3,570 |
| 4 Bedroom | -$1,550 | $5,900 | $4,350 |
Affordability — Oceanside, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 13.1 |
| Median Home Price | $1,092,000 |
| Median Household Income | $77,000 |