Ranchita, CA
92066 · Ranchita, CA has a HavenScore of 29 — downside-risk signals are what hold the score back.
At the ZIP's typical value, the estimated monthly payment takes 81% of the local median income (Zillow, US Census ACS). The buyer/seller gauge leans narrowly toward sellers, and has for 7 months. Typical values were flat over the last 90 days (Zillow ZHVI).
Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.
Zillow ZHVI peaked at $509,677 in Jul 2022; the latest value is -6.9% from that peak, 48 months on. Since January 2019 it is +17.8%. The sharpest 12-month move was -14.8%, ending Sep 2019.
This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Snapshot
Numbers at a glance, with a year of history under each
Place
What it is like to live here, and what could flood or burn
Bands are each source’s own · tick marks the national median ZIP · not blended into the score
Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 95 scored ZIPs in San Diego County
Everyday prices in the San Diego metro run 12% above the US average (BEA Regional Price Parities, 2024).
Rents in the index run 79% above the US average.
$75,000 at US-average prices buys what $83,900 buys here.
Metro-level index, US = 100 · 2024 · the San Diego metro, not this ZIP alone
What drives the score
Five pillars, each scored 0–100
Market signals
Tailwinds and headwinds right now
- Strong price appreciation+4.4% year-over-year
- Few price reductionsOnly 0% of listings cutting price
- High price-to-income10.9× income — well above the national median
- Population outflow-7.6% net — people leaving
- Potentially overvalued46% above historical price-to-income
- Slow-moving market61 days on market — homes sitting longer
Market conditions
Leaning Seller
The score reads conditions tightening in sellers' favor.
Cycle read. Accelerating: prices +4.4% over the trailing year, with the market leaning toward sellers.
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.
Momentum check
What's changed in the last 90 days
Trend
Where it's been
Forecast
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.
Monthly cost
What you'd owe each month
20% down · 30-yr fixed · 6.71% · tax 0.71%
Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
81%of the ZIP’s median income at the median value ($2,931/mo against $43,542 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.
Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable
Run the numbers
Your price, rate, down payment and income
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Comparable ZIPs
Same shape, lower entry
ZIPs the score groups near 92066 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).
- Saves $128k
- Similar commute
- Similar hazard risk
- Saves $18k
- Shorter commute (−36 min)
- Similar hazard risk
- Saves $289k
- Shorter commute (−40 min)
- Similar walkability
- Similar hazard risk
- Saves $283k
- Shorter commute (−37 min)
- Less walkable
- Lower hazard risk
Sources
Every number, traced
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
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