Nearby Markets

Cost of Owning: Coronado and 13 Neighboring Markets Compared

The estimated monthly cost of a typical home in Coronado and 13 nearby markets, from Imperial Beach to Oceanside, at today’s mortgage rate, with what the estimate leaves out.

Updated October 2026 · Rudy Flores · Coldwell Banker West

A price tells you what you pay once; the monthly cost tells you what you live with. This page turns the typical home value in Coronado and 13 neighboring markets into an estimated monthly payment at today’s mortgage rate, then lists what the estimate leaves out so you can fill it in.

What it costs each month

Price is one number; the monthly cost is another. Here is the arithmetic for each ZIP code.

The monthly cost, side by side

Zillow’s typical home value for each ZIP code (Aug 2026), 20% down, a 30-year fixed loan at 7.40% (Freddie Mac survey, Oct 8, 2026) and property tax at an assumed 1.15% of value (1% base plus 0.15% for voter-approved charges). Highest value first.

Estimated monthly cost of owning a typical home
ZIP code	Typical value	Down payment	Principal and interest	Property tax (est.)	Total (est.)
Rancho Santa Fe (92067)	$4,759,830	$951,966	$26,365	$4,562	$30,926
Del Mar (92014)	$2,892,714	$578,543	$16,023	$2,772	$18,795
Coronado (92118)	$2,563,759	$512,752	$14,201	$2,457	$16,658
La Jolla (92037)	$2,336,101	$467,220	$12,940	$2,239	$15,179
Solana Beach (92075)	$2,216,170	$443,234	$12,275	$2,124	$14,399
Cardiff (92007)	$2,151,016	$430,203	$11,915	$2,061	$13,976
Encinitas (92024)	$1,868,169	$373,634	$10,348	$1,790	$12,138
Point Loma (92106)	$1,806,460	$361,292	$10,006	$1,731	$11,737
Carlsbad 92008	$1,789,827	$357,965	$9,914	$1,715	$11,629
Carlsbad 92011	$1,586,959	$317,392	$8,790	$1,521	$10,311
Carlsbad 92009	$1,566,109	$313,222	$8,675	$1,501	$10,176
Ocean Beach (92107)	$1,478,518	$295,704	$8,190	$1,417	$9,606
Pacific Beach (92109)	$1,461,768	$292,354	$8,097	$1,401	$9,498
Carlsbad 92010	$1,281,559	$256,312	$7,099	$1,228	$8,327
Oceanside (92054)	$1,117,702	$223,540	$6,191	$1,071	$7,262
Imperial Beach (91932)	$835,561	$167,112	$4,628	$801	$5,429
Downtown San Diego (92101)	$711,892	$142,378	$3,943	$682	$4,625

The gap between the highest and lowest is about $26,301 a month: Rancho Santa Fe at roughly $30,926 and Downtown San Diego at roughly $4,625, principal, interest and property tax only. Coronado sits at about $16,658 a month, with 2 of the 16 other ZIP codes above it.

Rates vary by lender and borrower; insurance, HOA dues, special taxes and maintenance are not included. The payment calculator lets you try your own numbers.

How values have moved

How each market has moved

Home values indexed to January 2018, in four groups.

Across the bay and south: Downtown, Point Loma, Ocean Beach and Imperial Beach

Typical home value indexed to January 2018 = 100, so lines start together and show relative change. Zillow Research through Aug 2026.

CoronadoDowntown San DiegoPoint LomaOcean BeachImperial Beach

Measured from January 2018, Point Loma has gained the most (+72%) and Downtown San Diego the least (+11%), with Coronado at +65%.

The city’s northern beaches: Pacific Beach, La Jolla, Del Mar and Solana Beach

Typical home value indexed to January 2018 = 100, so lines start together and show relative change. Zillow Research through Aug 2026.

CoronadoPacific BeachLa JollaDel MarSolana Beach

From an index of 100 in January 2018, the leader is Del Mar (+82%) and the laggard Coronado (+65%).

Cardiff, Encinitas and Rancho Santa Fe

Typical home value indexed to January 2018 = 100, so lines start together and show relative change. Zillow Research through Aug 2026.

CoronadoCardiffEncinitasRancho Santa Fe

Since early 2018 the biggest rise is in Cardiff (+95%), the smallest in Coronado (+65%).

Carlsbad and Oceanside

Typical home value indexed to January 2018 = 100, so lines start together and show relative change. Zillow Research through Aug 2026.

CoronadoCarlsbad 92008Carlsbad 92009Carlsbad 92010Carlsbad 92011Oceanside

Since January 2018 the typical value has risen most in Carlsbad 92009 (+95%) and least in Coronado (+65%).

What the estimate leaves out

The table is a starting point. Real monthly costs depend on a few things it does not include:

Insurance. Homeowners premiums vary by address, age of the home and coverage, and earthquake or flood cover is separate.
Association dues and special taxes. Condominium buildings and planned communities charge dues, and some properties carry special taxes on top of the base rate.
The type of home. A typical value blends houses and condominiums; a specific home may cost far more or less.
Your loan. Rates depend on credit, down payment and loan type. A lender can give you a real quote, and the property tax guide explains how the tax estimate works.

The places

Across the bay and south: Downtown San Diego (ZIP 92101) faces Coronado across San Diego Bay; Point Loma (ZIP 92106) is a peninsula community across the bay, and Ocean Beach (ZIP 92107, which includes Sunset Cliffs) sits on its ocean side. Imperial Beach (ZIP 91932) is a separate city south of Coronado, along the Silver Strand.

Up the coast in the city of San Diego: Pacific Beach (ZIP 92109, which also covers Mission Beach) is a beach community between Mission Bay and La Jolla, and La Jolla (ZIP 92037) is a coastal community north of downtown.

North County: Del Mar (92014), Solana Beach (92075), Encinitas (92024), Carlsbad (92008, 92009, 92010 and 92011) and Oceanside (92054) are separate coastal cities. Cardiff (92007) is the Cardiff-by-the-Sea community of Encinitas, which has its own ZIP code; Leucadia and Olivenhain share ZIP 92024 with the rest of Encinitas. Rancho Santa Fe (92067) is an unincorporated community inland from Del Mar and Solana Beach. Oceanside’s other ZIP codes (92056, 92057 and 92058) are not shown.

A ZIP code is a mail-delivery area, so each contains more than one kind of street, and a home’s own address matters more than any average.

Common questions

Why is property tax the same percentage in each?

California bases the tax on the purchase price at about 1%, plus local charges that vary. The 1.15% used here is a round assumption; a real bill depends on the address.

Does the estimate include HOA dues?

No. Add dues if the home has an association.

Can Rudy run this for a specific home?

Yes. Send the address and Rudy will build a personal estimate with the price, the tax and current rates.

Keep exploring

Moving to Coronado — The island in a few pages.
Mortgage payment calculator — Try your own numbers.
California property tax for newcomers — What to expect on the bill.

Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.

Sources

General information for orientation, not legal, tax, financial or appraisal advice. Details change; confirm anything that matters with the official source, your lender and your agent.

Cost of Owning: Coronado and 13 Neighboring Markets Compared

Related reading

What it costs each month

The monthly cost, side by side

How each market has moved

Across the bay and south: Downtown, Point Loma, Ocean Beach and Imperial Beach

The city’s northern beaches: Pacific Beach, La Jolla, Del Mar and Solana Beach

Cardiff, Encinitas and Rancho Santa Fe

Carlsbad and Oceanside

What the estimate leaves out

The places

Common questions

Why is property tax the same percentage in each?

Does the estimate include HOA dues?

Can Rudy run this for a specific home?

Keep exploring

Sources

Comparing Coronado With a Neighbor?