Golden Hill Market ReportSeptember 2026
Inventory is up, and buyers have more room. Monthly figures for Golden Hill from the San Diego MLS, with current mortgage rates and what they mean for buyers and sellers.
Inventory is up, and buyers have more room
Golden Hill and South Park share ZIP code 92102, and the shared market loosened this fall. Houses for sale rose 33% to 24, and months of supply went from 2.1 to 3.7. Closed house sales fell to five in September, from 13 a year earlier.
Because so few homes sold, September's $700,000 house median isn't a reliable read. The year-to-date house median of $860,000 is up 4.9%, and sellers have received 99.0% of original list on average. Prices are holding; the pace has slowed.
Condos are the slowest part of the market: one sale in September, 20 listings and 5.4 months of supply. The year-to-date condo median is $530,000, up 1.4%.
Where Golden Hill moved
The full Golden Hill numbers
Houses (detached) · ZIP 92102
| Metric | Sep 2025 | Sep 2026 | Change | YTD 2025 | YTD 2026 | Change |
|---|---|---|---|---|---|---|
| New listings | 10 | 15 | +50.0% | 122 | 120 | −1.6% |
| Pending sales | 12 | 13 | +8.3% | 80 | 63 | −21.2% |
| Closed sales | 13 | 5 | −61.5% | 77 | 58 | −24.7% |
| Median sales price | $981,000 | $700,000 | −28.6% | $819,888 | $860,000 | +4.9% |
| % of original list price received | 95.4% | 96.8% | +1.5% | 97.9% | 99.0% | +1.1% |
| Days on market until sale | 36 | 31 | −13.9% | 30 | 34 | +13.3% |
| Homes for sale (inventory) | 18 | 24 | +33.3% | — | — | — |
| Months supply of inventory | 2.1 | 3.7 | +76.2% | — | — | — |
Condos & townhomes (attached) · ZIP 92102
| Metric | Sep 2025 | Sep 2026 | Change | YTD 2025 | YTD 2026 | Change |
|---|---|---|---|---|---|---|
| New listings | 9 | 8 | −11.1% | 68 | 71 | +4.4% |
| Pending sales | 4 | 4 | 0.0% | 36 | 33 | −8.3% |
| Closed sales | 3 | 1 | −66.7% | 35 | 27 | −22.9% |
| Median sales price | $603,750 | $508,500 | −15.8% | $522,500 | $530,000 | +1.4% |
| % of original list price received | 99.5% | 92.5% | −7.0% | 97.9% | 97.6% | −0.3% |
| Days on market until sale | 38 | 47 | +23.7% | 37 | 45 | +21.6% |
| Homes for sale (inventory) | 20 | 20 | 0.0% | — | — | — |
| Months supply of inventory | 5.5 | 5.4 | −1.8% | — | — | — |
YTD = January through September. Inventory and months of supply are end-of-month figures, so they have no year-to-date value.
Golden Hill versus San Diego County
| Segment | Median price, YTD | % of list, YTD | Days on market, YTD | Months of supply |
|---|---|---|---|---|
| Houses · 92102 | $860,000 | 99.0% | 34 | 3.7 |
| Condos · 92102 | $530,000 | 97.6% | 45 | 5.4 |
| Houses · County | $1,100,000 | 98.5% | 36 | 2.4 |
| Condos · County | $665,000 | 97.5% | 44 | 4.0 |
See the San Diego County market report for the countywide trend.
What the money costs right now
Mortgage rates moved up sharply in late September. The Federal Reserve raised its benchmark rate a quarter point on September 16, to 3.75% to 4.00%, and Freddie Mac's 30-year average reached 7.40% on October 8, 2026. Compared with a year ago, that adds roughly 12% to the monthly principal and interest on the same loan.
Estimated monthly principal & interest, 20% down
| Price point | Price | Loan | Loan type | At 7.40% | At 6.30% |
|---|---|---|---|---|---|
| Golden Hill house median, YTD | $860,000 | $688,000 | Conforming | $4,764 | $4,259 |
| Golden Hill condo median, YTD | $530,000 | $424,000 | Conforming | $2,936 | $2,624 |
Principal and interest only, 30-year fixed, 20% down. Excludes property taxes, insurance, HOA dues and mortgage insurance. Rates are national weekly averages from Freddie Mac's Primary Mortgage Market Survey, not a quote; jumbo and high-balance loans are often priced differently. Loan limits from the Federal Housing Finance Agency (FHFA), 2026.
For sellers and buyers in Golden Hill
If you're selling
- Prices are holding year to date, but fewer homes are selling. Price to the market, not to last spring.
- Buyers have more alternatives than a year ago; condition and presentation count.
- Condo sellers should expect a longer sale — 45 days median so far this year.
If you're buying
- With 3.7 months of supply for houses and 5.4 for condos, you can negotiate more than in most central San Diego neighborhoods.
- At 7.40%, principal and interest on the condo year-to-date median ($530,000) runs about $2,940 a month with 20% down, before HOA dues.
- Older homes here often need work. Get inspections and repair estimates before you commit.
Common questions about the Golden Hill market
Is Golden Hill a buyer's or seller's market right now?
In ZIP 92102, houses had 3.7 months of supply at the end of September 2026, a balanced market, and condos had 5.4 months, a balanced market. Months of supply measures how long current listings would last at the recent sales pace; under three months favors sellers, three to six is balanced, and over six favors buyers.
What is the median home price in Golden Hill?
In ZIP 92102, the median house price was $700,000 in September 2026 and $860,000 for the year to date (+4.9% from 2025). The condo median was $508,500 in September and $530,000 year to date. Because only a few homes sell each month, the year-to-date median is the more reliable guide.
How much is the monthly payment on a median-priced home in Golden Hill?
At the October 8, 2026 Freddie Mac average of 7.40% for a 30-year fixed loan, principal and interest on the year-to-date house median of $860,000 is about $4,764 a month with 20% down, versus about $4,259 at last year's 6.30%. Taxes, insurance and any HOA dues are extra.
Why does this Golden Hill report use ZIP code 92102?
Golden Hill shares ZIP code 92102 with South Park, so these figures cover both neighborhoods. The San Diego MLS publishes its monthly market updates by ZIP code, which keeps the numbers consistent from month to month. For a closer read on a specific street, John can pull recent sales directly from the MLS.
What does this mean for your home?
ZIP-level numbers can't price a specific house. John can walk you through recent sales on your street in Golden Hill and what they mean for you.
Call (619) 518-5421Get a free home valuationRead John's Golden Hill neighborhood guide · San Diego County market report