Vista, CA—92084
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Vista, CA
As of Oct '25, the median home price in Vista, CA is $875,000, with a year-over-year change of -1.7%. This indicates that home prices in 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 | $875,000 | -1.7% |
| Single Family | $888,000 | -1.8% |
| Condos | $566,000 | -2.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $610,000 | -3.9% |
2 Bed | $677,000 | -1.6% |
3 Bed | $867,000 | -1.7% |
4 Bed | $1,039,000 | -0.7% |
| 5 Bed | $1,332,000 | -0.3% |
% of Housing Stock
Rental Trends — Vista, CA
As of July '25, Rentcast reports the average rent in Vista, CA is $2,870, with a year-over-year rent change of -6.8%. Per bedroom, the median rent as of July '25 in Vista, CA is studios: $2,160, 1-bedrooms: $2,220, 2-bedrooms: $2,820, 3-bedrooms: $4,010, 4-bedrooms: $5,060. The most common rental property sizes in Vista, CA are 2-bedroom and 1-bedroom, accounting for 52.3% and 22.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,550 | $2,870 |
| Studio Rent | $2,100 | $2,160 |
| 1 Bed Rent | $2,140 | $2,220 |
| 2 Bed Rent | $2,650 | $2,820 |
| 3 Bed Rent | $3,700 | $4,010 |
| 4 Bed Rent | $4,900 | $5,060 |
% of Rental Stock
Property Listings — Vista, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Vista, CA is 47. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,070,000 | -6.0% |
Listing Count | 93 | 23.0% |
| Listings as % of Homes | 0.3% | 23.0% |
Days on Market | 47 | -3.0% |
Demographics — Vista, CA
As of the latest ACS Survey released in 2023, Vista, CA has a population of 49,500, which has decreased by -3.7% over the past 5 years. Vista, CA is a popular place for families, as children make up 25.4% of the population. The area has a moderately educated workforce, with 27.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 49,500 | -3.7% |
% Under 18 | 25.4% | 1.2% |
% Seniors | 14.0% | 10.2% |
% WFH | 13.6% | 183.3% |
% w/ College Degree | 27.1% | 13.4% |
As of the latest ACS Survey released in 2023, Vista, CA is a predominantly hispanic area, with 48.6% of the population identifying as hispanic. The hispanic population has shrunk by 0.2% in the last 5 years. The second most common race or ethnicity in Vista, CA is white, making up 38.3% of the population. Foreign-born residents account for 22.0% of the population in Vista, CA, and this percentage has decreased by 5.6% 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 | 38.3% | -12.8% |
% Black | 2.2% | -24.1% |
% Hispanic | 48.6% | -0.2% |
% Asian | 3.9% | 34.5% |
% Foreign Born | 22.0% | -5.6% |
Mortgage and Risk — Vista, CA
According to HUD data as of 2023, there were 553 mortgage originations in Vista, CA, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 14.0% above 90% LTV (elevated). This implies medium mortgage risk in Vista, CA. Investor activity is low, as 1.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 553 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Vista, CA
As of 2024, the percent of homes in Vista, CA under the Section 8 program is 2.6%. 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 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 | 264 |
Total Units Section 8 | 150 |
% Rentals under Section 8 | 2.6% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$20 | $2,140 | $2,120 |
| 2 Bedroom | -$30 | $2,650 | $2,620 |
| 3 Bedroom | -$200 | $3,700 | $3,500 |
| 4 Bedroom | -$630 | $4,900 | $4,270 |
Affordability — Vista, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8 |
| Median Home Price | $875,000 |
| Median Household Income | $97,400 |