Oceanside, CA—92056
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 $850,000, with a year-over-year change of -2.9%. This indicates that home prices in Oceanside, CA are decreasing. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $850,000 | -2.9% |
| Single Family | $878,000 | -2.8% |
| Condos | $617,000 | -1.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $422,000 | -3.4% |
2 Bed | $629,000 | -1.7% |
3 Bed | $833,000 | -3.3% |
4 Bed | $957,000 | -2.5% |
| 5 Bed | $1,170,000 | -1.9% |
% of Housing Stock
Rental Trends — Oceanside, CA
As of July '25, Rentcast reports the average rent in Oceanside, CA is $3,420, with a year-over-year rent change of -5.0%. Per bedroom, the median rent as of July '25 in Oceanside, CA is studios: $2,420, 1-bedrooms: $2,390, 2-bedrooms: $3,120, 3-bedrooms: $3,950, 4-bedrooms: $4,420. The most common rental property sizes in Oceanside, CA are 2-bedroom and 3-bedroom, accounting for 46.9% and 23.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,060 | $3,420 |
| Studio Rent | $1,900 | $2,420 |
| 1 Bed Rent | $2,400 | $2,390 |
| 2 Bed Rent | $2,930 | $3,120 |
| 3 Bed Rent | $3,800 | $3,950 |
| 4 Bed Rent | $4,290 | $4,420 |
% 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 39. This is a increase of 12.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $895,000 | -1.0% |
Listing Count | 149 | 7.0% |
| Listings as % of Homes | 0.5% | 7.0% |
Days on Market | 39 | 12.0% |
Demographics — Oceanside, CA
As of the latest ACS Survey released in 2023, Oceanside, CA has a population of 53,300, which has decreased by -1.1% over the past 5 years. Oceanside, CA is a moderately popular place for families, as children make up 21.7% of the population. The area has a moderately educated workforce, with 38.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 53,300 | -1.1% |
% Under 18 | 21.7% | 11.9% |
% Seniors | 19.9% | 4.7% |
% WFH | 15.3% | 163.8% |
% w/ College Degree | 38.5% | 14.9% |
As of the latest ACS Survey released in 2023, Oceanside, CA is a predominantly white area, with 49.8% of the population identifying as white. The white population has shrunk by 7.8% in the last 5 years. The second most common race or ethnicity in Oceanside, CA is hispanic, making up 31.0% of the population. Foreign-born residents account for 18.2% of the population in Oceanside, CA, and this percentage has decreased by 11.7% 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 | 49.8% | -7.8% |
% Black | 3.1% | -8.8% |
% Hispanic | 31.0% | 0.3% |
% Asian | 8.5% | 9.0% |
% Foreign Born | 18.2% | -11.7% |
Mortgage and Risk — Oceanside, CA
According to HUD data as of 2023, there were 671 mortgage originations in Oceanside, CA, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Oceanside, CA. Investor activity is low, as 2.0% 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 | 671 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% 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 5.6%. 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, 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 | 451 |
Total Units Section 8 | 373 |
% Rentals under Section 8 | 5.6% |
% Occupied Section 8 | 86.5% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $180 | $2,400 | $2,580 |
| 2 Bedroom | $260 | $2,930 | $3,190 |
| 3 Bedroom | $460 | $3,800 | $4,260 |
| 4 Bedroom | $900 | $4,290 | $5,190 |
Affordability — Oceanside, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.5 |
| Median Home Price | $850,000 |
| Median Household Income | $103,000 |