HouseVaneOpen the mapDel Mar, CA housing market
Data through Aug 2026
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Home Value
$3.8M
+10.3% vs. a year ago
Mtg Payment as % of Income
129%
Aug 2026
Rental Rate
$7,097/mo
Aug 2026
Overvalued %
13%
Aug 2026
What this means
- Valuation. Prices are 13% above what local incomes have historically supported (this area's pre-2020 price-to-income ratio).
- Prices. Home values are up 10.3% over the past year (U.S.: +1.2%).
- Affordability. A mortgage on the typical home takes 129% of the median household income (U.S.: 35%); it takes about $859k a year to keep the payment at 30% of gross pay. That includes about $1,763 a year for home insurance (U.S.: $1,790).
- Buy vs. rent. Buying costs about $14,379/mo more than renting a typical home (mortgage payment vs. typical rent).
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