Chula Vista, CA—91910
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Chula Vista, CA
As of Oct '25, the median home price in Chula Vista, CA is $810,000, with a year-over-year change of -2.1%. This indicates that home prices in Chula Vista, CA are decreasing. According to Zillow, the 1-year price projection is 0.8%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $810,000 | -2.2% |
| Single Family | $842,000 | -2.0% |
| Condos | $539,000 | -2.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $396,000 | -1.7% |
2 Bed | $596,000 | -0.8% |
3 Bed | $794,000 | -1.6% |
4 Bed | $931,000 | -1.8% |
| 5 Bed | $1,129,000 | -2.7% |
% of Housing Stock
Rental Trends — Chula Vista, CA
As of July '25, Rentcast reports the average rent in Chula Vista, CA is $2,710, with a year-over-year rent change of -1.5%. Per bedroom, the median rent as of July '25 in Chula Vista, CA is studios: $1,850, 1-bedrooms: $2,130, 2-bedrooms: $2,680, 3-bedrooms: $3,720, 4-bedrooms: $4,660. The most common rental property sizes in Chula Vista, CA are 2-bedroom and 1-bedroom, accounting for 45.2% and 29.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,400 | $2,710 |
| Studio Rent | $1,880 | $1,850 |
| 1 Bed Rent | $2,210 | $2,130 |
| 2 Bed Rent | $2,640 | $2,680 |
| 3 Bed Rent | $3,700 | $3,720 |
| 4 Bed Rent | $4,300 | $4,660 |
% of Rental Stock
Property Listings — Chula Vista, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Chula Vista, CA is 42. This is a decrease of 0.0% from last year, suggesting that homes are sitting on the market about the same amount of time 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 | $782,000 | 5.0% |
Listing Count | 83 | 37.0% |
| Listings as % of Homes | 0.2% | 37.0% |
Days on Market | 42 | 0.0% |
Demographics — Chula Vista, CA
As of the latest ACS Survey released in 2023, Chula Vista, CA has a population of 78,000, which has increased by 4.9% over the past 5 years. Chula Vista, 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 28.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 78,000 | 4.9% |
% Under 18 | 21.7% | -1.4% |
% Seniors | 15.3% | 2.0% |
% WFH | 10.2% | 137.2% |
% w/ College Degree | 28.6% | 14.4% |
As of the latest ACS Survey released in 2023, Chula Vista, CA is a predominantly hispanic area, with 64.3% of the population identifying as hispanic. The hispanic population has grown by 5.4% in the last 5 years. The second most common race or ethnicity in Chula Vista, CA is white, making up 18.6% of the population. Foreign-born residents account for 29.3% of the population in Chula Vista, CA, and this percentage has decreased by 1.3% 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 | 18.6% | -19.5% |
% Black | 3.7% | -9.8% |
% Hispanic | 64.3% | 5.4% |
% Asian | 10.5% | 4.0% |
% Foreign Born | 29.3% | -1.3% |
Mortgage and Risk — Chula Vista, CA
According to HUD data as of 2023, there were 594 mortgage originations in Chula Vista, CA, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 49.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Chula Vista, CA. Investor activity is low, as 2.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 594 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Chula Vista, CA
As of 2024, the percent of homes in Chula Vista, CA under the Section 8 program is 8.9%. 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. In Chula Vista, 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 | 1,160 |
Total Units Section 8 | 1,108 |
% Rentals under Section 8 | 8.9% |
% Occupied Section 8 | 83.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$120 | $2,210 | $2,090 |
| 2 Bedroom | -$60 | $2,640 | $2,580 |
| 3 Bedroom | -$250 | $3,700 | $3,450 |
| 4 Bedroom | -$100 | $4,300 | $4,200 |
Affordability — Chula Vista, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8.3 |
| Median Home Price | $810,000 |
| Median Household Income | $87,700 |