Oceanside, CA—92057
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 $794,000, with a year-over-year change of -2.5%. This indicates that home prices in Oceanside, 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 | $794,000 | -2.5% |
| Single Family | $839,000 | -2.3% |
| Condos | $480,000 | -5.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $364,000 | -6.2% |
2 Bed | $516,000 | -2.8% |
3 Bed | $778,000 | -3.0% |
4 Bed | $949,000 | -1.2% |
| 5 Bed | $1,128,000 | -1.4% |
% of Housing Stock
Rental Trends — Oceanside, CA
As of July '25, Rentcast reports the average rent in Oceanside, CA is $3,460, with a year-over-year rent change of -3.6%. Per bedroom, the median rent as of July '25 in Oceanside, CA is 1-bedrooms: $2,230, 2-bedrooms: $3,080, 3-bedrooms: $3,580, 4-bedrooms: $4,110. The most common rental property sizes in Oceanside, CA are 2-bedroom and 3-bedroom, accounting for 46.9% and 20.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,510 | $3,460 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,390 | $2,230 |
| 2 Bed Rent | $3,190 | $3,080 |
| 3 Bed Rent | $3,600 | $3,580 |
| 4 Bed Rent | $4,020 | $4,110 |
% 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 47. This is a increase of 28.0% 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 34.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $702,000 | -4.0% |
Listing Count | 152 | 15.0% |
| Listings as % of Homes | 0.4% | 15.0% |
Days on Market | 47 | 28.0% |
Demographics — Oceanside, CA
As of the latest ACS Survey released in 2023, Oceanside, CA has a population of 58,000, which has remained stable by -0.6% over the past 5 years. Oceanside, CA is a moderately popular place for families, as children make up 22.9% of the population. The area has a moderately educated workforce, with 32.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 58,000 | -0.6% |
% Under 18 | 22.9% | 3.6% |
% Seniors | 14.1% | -6.6% |
% WFH | 13.5% | 154.7% |
% w/ College Degree | 32.2% | 8.8% |
As of the latest ACS Survey released in 2023, Oceanside, CA is a predominantly hispanic area, with 39.8% of the population identifying as hispanic. The hispanic population has grown by 14.0% in the last 5 years. The second most common race or ethnicity in Oceanside, CA is white, making up 39.6% of the population. Foreign-born residents account for 20.6% of the population in Oceanside, CA, and this percentage has decreased by 3.7% 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 | 39.6% | -10.2% |
% Black | 5.4% | -21.7% |
% Hispanic | 39.8% | 14.0% |
% Asian | 8.8% | -9.3% |
% Foreign Born | 20.6% | -3.7% |
Mortgage and Risk — Oceanside, CA
According to HUD data as of 2023, there were 714 mortgage originations in Oceanside, CA, of which 75.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 24.0% above 90% LTV (very high). This implies large 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 | 714 |
% Conventional Loans | 75.0% |
% Government Loans | 25.0% |
% 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 4.7%. 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. 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Oceanside, CA, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 280 |
Total Units Section 8 | 274 |
% Rentals under Section 8 | 4.7% |
% Occupied Section 8 | 85.8% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $2,390 | $2,360 |
| 2 Bedroom | -$270 | $3,190 | $2,920 |
| 3 Bedroom | $300 | $3,600 | $3,900 |
| 4 Bedroom | $730 | $4,020 | $4,750 |
Affordability — Oceanside, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.9 |
| Median Home Price | $794,000 |
| Median Household Income | $106,000 |