Bay Ho, San Diego, CA—92117
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Bay Ho, San Diego, CA
As of Oct '25, the median home price in Bay Ho, San Diego, CA is $1,074,000, with a year-over-year change of -6.0%. This indicates that home prices in Bay Ho, San Diego, 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 | $1,074,000 | -6.0% |
| Single Family | $1,102,000 | -6.5% |
| Condos | $582,000 | -8.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $461,000 | -7.6% |
2 Bed | $729,000 | -5.7% |
3 Bed | $1,056,000 | -6.7% |
4 Bed | $1,217,000 | -6.1% |
| 5 Bed | $1,386,000 | -6.0% |
% of Housing Stock
Rental Trends — Bay Ho, San Diego, CA
As of July '25, Rentcast reports the average rent in Bay Ho, San Diego, CA is $2,940, with a year-over-year rent change of -3.9%. Per bedroom, the median rent as of July '25 in Bay Ho, San Diego, CA is studios: $1,830, 1-bedrooms: $2,210, 2-bedrooms: $2,890, 3-bedrooms: $4,490, 4-bedrooms: $5,240. The most common rental property sizes in Bay Ho, San Diego, CA are 2-bedroom and 1-bedroom, accounting for 49.7% and 21.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,610 | $2,940 |
| Studio Rent | $1,740 | $1,830 |
| 1 Bed Rent | $2,250 | $2,210 |
| 2 Bed Rent | $2,810 | $2,890 |
| 3 Bed Rent | $4,300 | $4,490 |
| 4 Bed Rent | $5,500 | $5,240 |
% of Rental Stock
Property Listings — Bay Ho, San Diego, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Bay Ho, San Diego, CA is 32. 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 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 | $1,190,000 | -5.0% |
Listing Count | 119 | 41.0% |
| Listings as % of Homes | 0.2% | 41.0% |
Days on Market | 32 | 16.0% |
Demographics — Bay Ho, San Diego, CA
As of the latest ACS Survey released in 2023, Bay Ho, San Diego, CA has a population of 52,600, which has decreased by -6.3% over the past 5 years. Bay Ho, San Diego, CA is a moderately popular place for families, as children make up 17.9% of the population. The area has a highly educated workforce, with 50.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 52,600 | -6.3% |
% Under 18 | 17.9% | 0.6% |
% Seniors | 16.9% | 14.2% |
% WFH | 21.7% | 233.8% |
% w/ College Degree | 50.7% | 15.8% |
As of the latest ACS Survey released in 2023, Bay Ho, San Diego, CA is a predominantly white area, with 57.5% of the population identifying as white. The white population has shrunk by 2.0% in the last 5 years. The second most common race or ethnicity in Bay Ho, San Diego, CA is hispanic, making up 25.2% of the population. Foreign-born residents account for 18.9% of the population in Bay Ho, San Diego, CA, and this percentage has decreased by 9.6% 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 | 57.5% | -2.0% |
% Black | 2.1% | 0.0% |
% Hispanic | 25.2% | 5.0% |
% Asian | 9.0% | -20.4% |
% Foreign Born | 18.9% | -9.6% |
Mortgage and Risk — Bay Ho, San Diego, CA
According to HUD data as of 2023, there were 623 mortgage originations in Bay Ho, San Diego, CA, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 44.0%, with 9.0% above 90% LTV (normal). This implies small mortgage risk in Bay Ho, San Diego, CA. Investor activity is low, as 4.0% of loans were by investors. 17.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 623 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 17.0% |
Loan Activity
Rentals and Section 8 — Bay Ho, San Diego, CA
As of 2024, the percent of homes in Bay Ho, San Diego, CA under the Section 8 program is 2.9%. 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 and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Bay Ho, San Diego, CA, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 258 |
Total Units Section 8 | 257 |
% Rentals under Section 8 | 2.9% |
% Occupied Section 8 | 96.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $50 | $2,250 | $2,300 |
| 2 Bedroom | $30 | $2,810 | $2,840 |
| 3 Bedroom | -$500 | $4,300 | $3,800 |
| 4 Bedroom | -$880 | $5,500 | $4,620 |
Affordability — Bay Ho, San Diego, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.5 |
| Median Home Price | $1,074,000 |
| Median Household Income | $105,000 |