Oceanside, CA—92058
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 $758,000, 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 0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $758,000 | -2.2% |
| Single Family | $809,000 | -2.5% |
| Condos | $527,000 | -3.8% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $552,000 | -3.5% |
3 Bed | $775,000 | -1.8% |
4 Bed | $923,000 | -2.5% |
| 5 Bed | $1,092,000 | -1.1% |
% of Housing Stock
Rental Trends — Oceanside, CA
As of July '25, Rentcast reports the average rent in Oceanside, CA is $3,140, with a year-over-year rent change of 11.3%. Per bedroom, the median rent as of July '25 in Oceanside, CA is studios: $1,800, 1-bedrooms: $1,960, 2-bedrooms: $2,660, 3-bedrooms: $3,500, 4-bedrooms: $4,980. The most common rental property sizes in Oceanside, CA are 2-bedroom and 3-bedroom, accounting for 37.0% and 32.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,900 | $3,140 |
| Studio Rent | $1,800 | $1,800 |
| 1 Bed Rent | $2,050 | $1,960 |
| 2 Bed Rent | $2,600 | $2,660 |
| 3 Bed Rent | $3,400 | $3,500 |
| 4 Bed Rent | $4,200 | $4,980 |
% 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 45. This is a increase of 34.0% 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 40.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $738,000 | 22.0% |
Listing Count | 30 | 9.0% |
| Listings as % of Homes | 0.2% | 9.0% |
Days on Market | 45 | 34.0% |
Demographics — Oceanside, CA
As of the latest ACS Survey released in 2023, Oceanside, CA has a population of 49,200, which has increased by 7.2% over the past 5 years. Oceanside, CA is a popular place for families, as children make up 26.6% of the population. The area has a moderately educated workforce, with 26.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 49,200 | 7.2% |
% Under 18 | 26.6% | -12.5% |
% Seniors | 6.7% | -6.9% |
% WFH | 8.9% | 140.5% |
% w/ College Degree | 26.3% | 10.0% |
As of the latest ACS Survey released in 2023, Oceanside, CA is a predominantly hispanic area, with 42.9% of the population identifying as hispanic. The hispanic population has grown by 21.5% in the last 5 years. The second most common race or ethnicity in Oceanside, CA is white, making up 38.5% of the population. Foreign-born residents account for 15.5% of the population in Oceanside, CA, and this percentage has increased by 2.0% 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 | 38.5% | -20.5% |
% Black | 7.0% | 6.1% |
% Hispanic | 42.9% | 21.5% |
% Asian | 5.5% | 3.8% |
% Foreign Born | 15.5% | 2.0% |
Mortgage and Risk — Oceanside, CA
According to HUD data as of 2023, there were 149 mortgage originations in Oceanside, CA, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Oceanside, CA. Investor activity is low, as 3.0% 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 | 149 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 3.0% |
% 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 4.8%. 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 | 475 |
Total Units Section 8 | 475 |
% Rentals under Section 8 | 4.8% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $400 | $2,050 | $2,450 |
| 2 Bedroom | $430 | $2,600 | $3,030 |
| 3 Bedroom | $650 | $3,400 | $4,050 |
| 4 Bedroom | $730 | $4,200 | $4,930 |
Affordability — Oceanside, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.6 |
| Median Home Price | $758,000 |
| Median Household Income | $72,500 |