Buyers around Rancho Del Rey often start with a bedroom count and work outward. Here is what each size costs each month at today’s average rate, for the two ZIP codes around it.
By size and ZIP code
| ZIP code and size | Typical value | Vs a year ago | Monthly principal and interest |
|---|---|---|---|
| 91910 (Rancho Del Rey area), 2 bedrooms | $603,109 | +1.5% | $3,341 |
| 91910 (Rancho Del Rey area), 3 bedrooms | $816,682 | +2.5% | $4,524 |
| 91910 (Rancho Del Rey area), 4 bedrooms | $957,679 | +1.7% | $5,305 |
| 91913 (EastLake and Otay Ranch), 2 bedrooms | $558,726 | +0.1% | $3,095 |
| 91913 (EastLake and Otay Ranch), 3 bedrooms | $773,695 | −0.4% | $4,286 |
| 91913 (EastLake and Otay Ranch), 4 bedrooms | $979,142 | +0.5% | $5,424 |
In ZIP 91910, moving from three to four bedrooms adds about $140,997 to the typical value and about $781 a month to the payment at 7.40%.
Reading the table
- Values are Zillow’s typical values for each size, not the price of any one home; lot size, condition and view all matter.
- Payments are principal and interest only: taxes, insurance, HOA dues and any mortgage insurance are extra.
- The rate is Freddie Mac’s national weekly average (Oct 8, 2026), not a quote.
Go deeper
For weekly values and buyer-versus-seller readings in these ZIP codes, see the market reports; Rudy’s interest-rate series explains how rates work.
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 and assumptions
- Mortgage rates: Freddie Mac, weekly national averages (latest Oct 8, 2026).
- Home values and rents: Zillow Home Value Index and Observed Rent Index.
- Property tax and insurance, where shown, are round-number assumptions of about 1.1% and 0.3% of the price a year, not quotes.
More on interest rates
- The Fed's Rate Decisions vs. Mortgage Rates: What Is the Difference? — The Federal Reserve sets one short-term rate. Mortgage rates follow a different set of forces. Here is how the two relate, with the recent decisions.
- Fixed Rate, Adjustable Rate and Buydowns: The Basics — How the main loan structures work, and what a temporary or permanent rate buydown means.
General information, not financial advice.
Related reading
- Rancho Del Rey Area Home Values by Bedroom Count (ZIP 91913) — ZIP 91913 (Chula Vista) market report: typical home value $902K in Aug 2026, plus values by bedroom count and…
- Rancho Del Rey Area Home Values by Bedroom Count (ZIP 91910) — ZIP 91910 (Chula Vista) market report: typical home value $845K in Aug 2026, plus values by bedroom count and…
- Mortgage Payment Calculator — See your real monthly payment: principal, interest, taxes, insurance and HOA in one number.
- Rancho Del Rey and EastLake: ZIP 91910 vs 91913 — Rancho Del Rey and EastLake compared: ZIP 91910 against 91913 on values, rents, price cuts, ownership and the…