Market Report

Rancho Del Rey Area Home Values by Bedroom Count (ZIP 91910)

Buying or selling in the Rancho Del Rey area of Chula Vista? Here is the scoreboard for ZIP 91910: typical value $845K (Aug 2026), +1.9% in a year, and a regional gauge that reads “Balanced” this week.

Updated October 2026 · Data through Aug 2026 (monthly) and the week ending Sep 26, 2026 (weekly)

What changed

Week to week: the gauge held at “Balanced” (48 to 49). New pending sales were 395 against 409 last week, and new listings 495 against 495.
Month to month: Jul 2026 $841K, Aug 2026 $845K (+0.48%).
Trend: over four weeks the gauge held near 49.

If you are buying

Be ready. With about 90 homes for sale, the right one can move quickly.
Ask about price history. Around 25% of listings have been reduced.
Know the payment. With the 30-year rate at 7.40%, get a written estimate from your lender before you tour.

If you are selling

Read the room. Zillow’s temperature reading for the ZIP is 58 out of 100.
Price to the data. Start from this week’s activity and recent comparable sales; Rudy will build the plan with you.

Public data can tell you a lot about an area and nothing at all about a particular house. Ask Rudy for a report tailored to your home or the one you are considering.

By size

Home values by number of bedrooms

What two, three and four bedrooms cost in ZIP 91910.

What each bedroom count costs

Zillow Home Value Index by bedroom count, ZIP 91910, Aug 2026. Payments assume 20% down at 7.40%, principal and interest only.

Home values by number of bedrooms
Size	Typical value	Vs a year ago	Vs five years ago	Monthly principal and interest
2 bedrooms	$603,109	+1.5%	+28.3%	$3,341
3 bedrooms	$816,682	+2.5%	+23.0%	$4,524
4 bedrooms	$957,679	+1.7%	+24.7%	$5,305

Stepping up from two to three bedrooms adds about $213,573 (+35%) to the typical value here, and from three to four another $140,997 (+17%). That is a useful yardstick for what an extra room is worth in ZIP 91910, though individual homes vary a great deal with lot size, condition and location.

2 bedrooms3 bedrooms4 bedrooms

Your budget

What the numbers mean for your monthly budget

Turning home values and today’s rates into a monthly cost for ZIP 91910.

The monthly cost of a home here

Assumes 20% down, a 30-year fixed loan at 7.40% (Freddie Mac, week of Oct 8, 2026), property tax about 1.1% and insurance about 0.3% of the price a year. HOA dues and mortgage insurance are extra. An illustration, not a quote.

Estimated monthly cost by price tier
Tier	Home value	Down payment	Loan	Principal and interest	Tax and insurance	Total a month	Income at the 28% guideline
Entry level	$655,386	$131,077	$524,309	$3,630	$765	$4,395	$188,350
Typical	$845,063	$169,013	$676,050	$4,681	$986	$5,667	$242,860
Upper tier	$1,019,812	$203,962	$815,850	$5,649	$1,190	$6,839	$293,081

At the typical value, the estimated total is about $5,667 a month ($4,681 of it principal and interest). A common rule of thumb is to keep housing costs near 28% of gross income; on that yardstick the typical home lines up with a household income of about $242,860 a year. Lenders weigh much more than that one ratio, so treat it as a starting point for a conversation.

A year ago the same typical home ($829,669) at the average rate then (6.30%) came to about $4,108 a month in principal and interest, so the payment has moved +13.9% since.

Owning compared with renting

Zillow Observed Rent Index for ZIP 91910, Aug 2026 (all homes and apartments).

Typical rent and the monthly cost of a typical purchase
Measure	Per month
Typical rent in the ZIP	$2,570
Estimated cost of owning a typical home	$5,667
Difference	+$3,097

Owning a typical home costs about $3,097 a month more than the typical rent here, before the equity a buyer builds each month and the upkeep an owner pays. Rents have moved +2.4% over the last twelve months. For a fuller comparison, try the rent versus buy calculator.

Sub-areas

How the neighborhoods compare

The same measures for each named sub-community here, in one table.

Neighborhood by neighborhood

Last updated Oct 9, 2026. Next update expected around Oct 16, 2026. Zillow’s neighborhood-level data, Aug 2026. Temperature is Zillow’s 0 to 100 market temperature (higher is hotter and leans toward sellers, lower leans toward buyers); homes-for-sale reads “n/a” where Zillow does not publish that series for a given neighborhood. Zillow does not publish a neighborhood-level rent index, so rent is not included here. Click a column heading to sort.

Comparing neighborhoods

Eastlake Greens	$891,919	+0.8%	+0.5%	+21.9%	11	56 · Balanced
Eastlake Trails	$981,595	+0.1%	−0.9%	+27.3%	6	56 · Balanced
Eastlake Vistas	$859,915	−0.7%	−1.4%	+18.2%	13	56 · Balanced
Eastlake Woods	$1,652,204	+1.3%	+0.4%	+35.5%	n/a	60 · Balanced
Eastlake Woods West	$1,002,649	+1.3%	−1.0%	+21.3%	n/a	60 · Balanced
East Lake I	$768,621	+0.6%	−0.2%	+22.4%	17	62 · Balanced
Eastlake Land Swap	$667,869	−0.8%	−2.2%	+13.3%	4	62 · Balanced
Otay Ranch	$854,262	−0.4%	−0.8%	+17.8%	119	58 · Balanced
Otay Ranch Village 1	$1,000,204	+0.7%	+0.7%	+24.8%	9	62 · Balanced
Otay Ranch Village 5	$865,068	+0.5%	−0.4%	+20.2%	15	62 · Balanced
Rolling Hills Ranch	$1,226,088	+0.9%	+0.8%	+30.0%	18	60 · Balanced
Sunbow I	$1,051,912	+0.5%	+1.7%	+28.6%	n/a	71 · Seller’s
Sunbow II	$965,739	+0.2%	+0.8%	+27.4%	18	71 · Seller’s
Bonita Long Canyon	$1,271,961	+1.7%	+3.7%	+30.7%	n/a	49 · Balanced
Rancho Del Rey I	$885,799	+1.3%	+1.2%	+24.0%	5	58 · Balanced
Rancho Del Rey II	$1,400,025	+1.0%	+1.1%	+26.3%	n/a	58 · Balanced
San Miguel Ranch	$1,125,031	+0.8%	+1.8%	+32.2%	8	60 · Balanced
Terra Nova	$887,124	+0.1%	+0.8%	+27.4%	5	58 · Balanced
Paseo Ranchero	$945,302	+1.8%	+2.5%	+27.1%	n/a	58 · Balanced
Lynwood Hills	$916,470	+1.0%	+1.6%	+24.9%	9	58 · Balanced
Bella Lago	$2,115,824	+2.5%	+4.4%	+52.0%	n/a	60 · Balanced
Southwest Chula Vista	$762,723	+0.5%	+1.1%	+23.4%	61	68 · Seller’s
Northwest Chula Vista	$790,801	+0.3%	+0.7%	+22.0%	60	57 · Balanced

Bella Lago has the highest typical value here ($2,115,824) and Eastlake Land Swap the lowest ($667,869). Over the last twelve months Bella Lago moved the most (+4.4%) and Eastlake Land Swap the least (−2.2%).

The housing stock

The housing in ZIP 91910

What the Census Bureau’s survey says about the homes and the housing costs here.

A profile of the housing

The Census Bureau surveys households every year and combines five years of answers (2020-2024) to estimate housing measures for small areas. Margins of error appear as ±, and the area boundaries approximate ZIP codes.

The housing stock in numbers: American Community Survey
Measure	ZIP 91910
Median household income	$90,222 (±$4,994)
Homes that are owner-occupied	50%
Median year homes were built	1974
Median gross rent	$2,022 (±$58)
Median home value reported by owners	$741,200
Single-family detached homes	47.1%
Attached single-unit homes (townhomes, row houses)	9.2%
Small buildings (2 to 4 homes)	9.4%
Larger buildings (5 or more homes)	30.2%
Homes used seasonally or occasionally	0.7%

In ZIP 91910, about 50% of occupied homes are owner-occupied, the typical home was built around 1974, and about 47.1% of the housing is single-family detached.

The table covers housing and economic measures only. Owner-reported values in the survey are opinions of worth, so expect them to differ from Zillow’s typical value.

The scoreboard

This week’s scoreboard: buyers or sellers?

One gauge for the week and one for the month, with the reading behind each.

This week: who had the edge?

Balanced 49 / 100

Week ending Sep 26, 2026 · San Diego metro area (San Diego–Chula Vista–Carlsbad)

Months of supply: 3.5 (under 4 is usually called a seller’s market, 4 to 6 balanced, over 6 a buyer’s market)
Listings with a price cut this week: 9.9%
New pending sales vs new listings: 395 vs 495

This month in ZIP 91910

Favors buyers 91 / 100

Aug 2026 · ZIP 91910 compared with its own history since 2018

Homes for sale: 90
Listings with a price cut: 25%
Zillow market temperature: 58 / 100
Last month: Favors buyers (86)

Week over week: the last 26 weeks

Each dot is one week in the San Diego metro area (San Diego–Chula Vista–Carlsbad). Hover or tap a dot for that week’s reading. Left of center favors sellers, right favors buyers.

Favors sellersLeans sellersBalancedLeans buyersFavors buyers

The gauge, then and now
When	Week ending	Score	Reading
This week	Sep 26, 2026	49	Balanced
Last week	Sep 19, 2026	48	Balanced
4 weeks ago	Aug 29, 2026	47	Balanced
12 weeks ago	Jul 4, 2026	37	Leans sellers
A year ago	Sep 27, 2025	45	Leans sellers

How the gauge works

Each dial squeezes a handful of public numbers into a single 0 to 100 score. Sellers hold the edge near 0, buyers near 100. The weekly score is based on the whole San Diego metro area (San Diego–Chula Vista–Carlsbad), since weekly figures are not released by ZIP: months of supply plus price cuts, days to pending and pending sales versus new listings, all judged against the weeks since 2018.

The monthly score is for this ZIP alone, using inventory, price cuts and market temperature compared with this ZIP’s own past.

They summarize; they do not forecast or advise.

Behind the numbers

Home values, inventory, price cuts, days to pending and weekly metro activity come from Zillow Research. The multi-decade record comes from the Federal Housing Finance Agency’s ZIP-level index. Rates are Freddie Mac’s weekly survey, with the Fed’s target range from FRED.

Download the ZIP 91910 monthly series: data.csv. Figures describe a typical home and can change when a provider revises its data. Files refreshed Oct 9, 2026.