San Diego FHA Loan Rates, Closing Costs & Stats

SAN DIEGO-CHULA VISTA-CARLSBAD, CA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    San Diego's 141 lenders originated 3,102 FHA loans during 2024. The total origination value was $1,952,040,000, with an average FHA loan value of $629,284.

    San Diego FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in San Diego averaged 6.17% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    San Diego's average FHA mortgage closing costs are $15,632.

    The average rate for the prior week (2025-03-28) was 6.57% and one month ago for the week of 2025-02-28, the average rate was 6.35%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.83%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    San Diego FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the San Diego level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 791 5.99% $22,699
    QUICKEN LOANS, LLC 231 6.03% $20,884
    CROSSCOUNTRY MORTGAGE, LLC 117 6.33% $25,936
    LOANDEPOT.COM, LLC 93 5.92% $23,353
    PENNYMAC LOAN SERVICES, LLC 87 5.90% $20,960
    FREEDOM MORTGAGE CORPORATION 80 6.07% $21,583
    EAGLE HOME MORTGAGE, LLC 79 5.75% $20,592
    NEWREZ LLC 43 6.08% $21,974
    Sierra Pacific Mortgage Company, Inc. 36 6.19% $26,657
    Century Mortgage Company DBA Century Lending Company 36 6.01% $24,634
    POINT Mortgage 34 5.93% $19,162
    Hometown Equity Mortgage, LLC 33 5.81% $22,343
    GEO-CORP, INC. 32 7.18% $35,522
    OCMBC, INC. 30 6.17% $24,893
    BROKER SOLUTIONS, INC. 29 6.54% $23,853
    GUILD MORTGAGE COMPANY 28 6.25% $25,271
    KBHS HOME LOANS, LLC 28 5.57% $22,195
    Paramount Residential Mortgage Group, Inc. 26 6.28% $23,743
    GUARANTEED RATE, INC. 25 6.08% $21,878
    SUN WEST MORTGAGE COMPANY, INC. 24 6.27% $27,841
    CARDINAL FINANCIAL 24 6.32% $24,138
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 23 6.42% $20,762
    The Loan Store, Inc. 20 6.13% $22,482
    CMG MORTGAGE, INC. 20 5.89% $25,011
    AMERICAN FINANCIAL NETWORK, INC. 20 6.58% $22,079
    Equity Prime Mortgage LLC 20 6.33% $21,816
    Flagstar Bank, FSB 17 6.29% $22,601
    MORTGAGEONE, INC. 16 6.30% $19,113
    HOMEBRIDGE FINANCIAL SERVICES, INC. 16 6.04% $20,880
    S1L, Inc. 14 6.28% $24,585
    Cornerstone First Mortgage, Inc 14 6.03% $24,139
    Mr. Cooper ( Nationstar Mortgage ) 13 6.32% $24,771
    Golden Empire Mortgage, Inc. 13 6.46% $28,464
    PLAZA HOME MORTGAGE, INC. 12 6.39% $26,348
    AMERICAN PACIFIC MORTGAGE CORPORATION 12 6.25% $26,023
    PLANET HOME LENDING, LLC 12 5.92% $16,379
    VILLAGE CAPITAL MORTGAGE 12 6.33% $15,031
    LAKEVIEW LOAN SERVICING, LLC 11 5.92% $15,137
    AXIA FINANCIAL, LLC 10 6.26% $23,346
    Carrington Mortgage Services, LLC 10 6.15% $22,289
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 10 5.98% $20,917
    American Mortgage & Equity Consultants, Inc. 10 6.56% $21,674
    BAY EQUITY LLC 10 6.00% $22,869
    EVERETT FINANCIAL, INC. 9 6.32% $28,697
    GUARANTEED RATE AFFINITY, LLC 9 6.17% $22,861
    INTERCAP LENDING INC. 9 6.08% $19,846
    Lakeview Community Capital, LLC 8 5.98% $14,108
    MOVEMENT MORTGAGE, LLC 8 6.38% $21,476
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.31% $21,797
    ZILLOW HOME LOANS, LLC 8 6.09% $21,904
    NP, Inc. 7 6.48% $26,452
    MUTUAL OF OMAHA MORTGAGE, INC. 7 6.32% $31,850
    U.S. Bank 7 5.95% $23,718
    CASTLE & COOKE MORTGAGE, LLC 7 6.14% $19,801
    PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.69% $22,807
    UNION HOME MORTGAGE CORP. 6 6.00% $22,367
    First-Citizens Bank & Trust Company 5 5.05% $24,510
    ISERVE RESIDENTIAL LENDING, LLC 5 6.55% $22,442
    FIRST COLONY MORTGAGE CORPORATION 5 5.80% $23,987
    Franklin Loan Corporation 5 6.03% $21,910
    LOANPAL, LLC 5 5.30% $21,766
    Barrington Bank & Trust Company, N.A. 4 5.97% $22,914
    LADERA LENDING, INC. 4 6.00% $17,489
    LAND HOME FINANCIAL SERVICES, INC. 4 6.34% $27,066
    Home Mortgage Alliance Corp 4 6.28% $17,292
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.13% $27,705
    Performance Financial, Inc. 4 6.00% $38,609
    GENEVA FINANCIAL, LLC 4 6.44% $30,016
    JMJ FINANCIAL GROUP 4 5.56% $18,182
    Shea Mortgage Inc. 4 6.09% $19,328
    MICHIGAN MUTUAL, INC. 3 6.04% $30,763
    FIRST NATIONS HOME FINANCE CORPORATION 3 6.46% $26,115
    DIGNIFIED HOME LOANS, LLC 3 6.71% $18,336
    JMAC LENDING, INC. 3 6.00% $26,096
    JPMorgan Chase Bank 3 5.71% $9,815
    MK LENDING CORP. 3 6.46% $28,304
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.75% $14,222
    OPEN MORTGAGE, LLC 3 7.33% $37,311
    Prosperity Home Mortgage, LLC 3 6.46% $23,529
    AmeriHome Mortgage Company, LLC 3 6.29% $17,011
    MORIA DEVELOPMENT, INC. 2 6.44% $23,455
    BETTER MORTGAGE CORPORATION 2 6.00% $22,733
    M&T Bank 2 6.88% $17,736
    NETWORK CAPITAL FUNDING CORPORATION 2 5.56% $18,609
    INTELLILOAN, INC. 2 6.50% $20,943
    INSPIRE HOME LOANS INC. 2 5.06% $20,284
    Wells Fargo Bank 2 5.31% $13,036
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.12% $19,972
    HOMESIDE FINANCIAL, LLC 2 5.94% $26,391
    Plains Commerce Bank 2 5.94% $26,971
    AHL FUNDING 2 6.25% $26,725
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.25% $16,098
    CHURCHILL MORTGAGE CORPORATION 2 6.13% $22,604
    AMERISAVE MORTGAGE CORPORATION 2 5.31% $25,711
    San Diego Funding 2 5.81% $24,286
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.69% $35,464
    ST FIN CORP 2 6.00% $29,668
    COMPASS MORTGAGE, INC. 2 6.13% $28,696
    ALLIED MORTGAGE GROUP, INC. 2 5.75% $21,340
    CORNERSTONE HOME LENDING, INC. 2 6.25% $24,648
    US MORTGAGE CORPORATION 2 6.94% $19,281
    VERITAS FUNDING, LLC 2 6.75% $33,413
    V.I.P. MORTGAGE, INC. 2 6.25% $18,724
    BMO Harris Bank 2 6.06% $19,406
    MID AMERICA MORTGAGE, INC. 2 6.94% $9,093
    VISION ONE MORTGAGE, INC. 2 6.44% $18,353
    THE GOLDEN 1 1 5.75% $20,424
    PNC Bank 1 7.00% $13,642
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.63% $28,879
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $18,902
    Vellum Mortgage, Inc. 1 6.25% $23,115
    PROPER RATE, LLC 1 6.25% $20,885
    First Bank 1 5.88% $26,006
    Ameris Bank 1 6.13% $16,435
    Commerce Bank 1 7.13% $20,534
    ML Mortgage Corp. 1 5.50% $52,771
    Zions Bank 1 5.63% $22,245
    Waterstone Mortgage Corporation 1 5.99% $28,323
    MOUNTAIN WEST FINANCIAL, INC. 1 5.50% $20,967
    LIBERTY HOME MORTGAGE CORPORATION 1 5.25% $20,356
    BAY-VALLEY MORTGAGE GROUP 1 6.50% $24,195
    FBC MORTGAGE, LLC 1 5.99% $23,287
    LEADERONE FINANCIAL CORPORATION 1 6.25% $21,439
    NATIONS DIRECT MORTGAGE, LLC 1 6.63% $23,090
    NBKC BANK 1 6.00% $18,569
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.88% $31,211
    CALCON MUTUAL MORTGAGE LLC 1 7.13% $18,522
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.75% $10,224
    EMM LOANS LLC 1 5.63% $24,864
    VAN DYK MORTGAGE CORPORATION 1 6.63% $31,245
    ONY GLO, INC. 1 6.25% $17,784
    SUMMIT FUNDING, INC. 1 5.88% $23,470
    Pacific Lending LLC 1 6.25% $14,175
    Sunflower Bank 1 6.63% $26,479
    PANORAMA MORTGAGE GROUP, LLC 1 5.13% $32,628
    Axos Bank 1 5.75% $15,084
    HOMEXPRESS MORTGAGE CORP. 1 6.75% $20,326
    Commerce Home Mortgage, Inc. 1 5.88% $20,125
    PHH Mortgage Corporation 1 5.99% $11,467
    The Federal Savings Bank 1 6.00% $35,076
    HOMEAMERICAN MORTGAGE CORPORATION 1 6.13% $14,794

    The top San Diego FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 791 FHA loans originated. Their average total fees are $22,699, which is $1,815 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee San Diego FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($15,031), LAKEVIEW LOAN SERVICING, LLC ($15,137), PLANET HOME LENDING, LLC ($16,379), MORTGAGEONE, INC. ($19,113) and POINT Mortgage ($19,162).

    The lowest rate San Diego FHA lenders (with over 10 loans originated) are KBHS HOME LOANS, LLC (5.57%), EAGLE HOME MORTGAGE, LLC (5.75%), Hometown Equity Mortgage, LLC (5.81%), CMG MORTGAGE, INC. (5.89%) and PENNYMAC LOAN SERVICES, LLC (5.90%).

    San Diego FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA SAN DIEGO 2022 $879,750 $1,126,250 $1,361,350 $1,691,850
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA SAN DIEGO 2023 $977,500 $1,251,400 $1,512,650 $1,879,850

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - San Diego (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $679,450 (5.0%) $1,222,393 (0.5%) 2.52 4,269
    2018-02-01 $693,299 (3.9%) $1,240,565 (-1.5%) 2.52 4,506
    2018-03-01 $699,000 (3.2%) $1,243,847 (-0.9%) 2.45 4,932
    2018-04-01 $699,900 (0.1%) $1,226,489 (-3.8%) 2.37 5,569
    2018-05-01 $704,337 (0.6%) $1,226,065 (-3.9%) 2.35 5,987
    2018-06-01 $710,000 (1.4%) $1,213,399 (-3.0%) 2.37 6,376
    2018-07-01 $699,000 (0.0%) $1,185,021 (-4.5%) 2.33 6,977
    2018-08-01 $684,500 (-0.7%) $1,161,132 (-4.9%) 2.29 7,489
    2018-09-01 $675,495 (-0.5%) $1,113,559 (-7.9%) 2.27 7,776
    2018-10-01 $669,000 (-0.8%) $1,088,649 (-9.4%) 2.27 7,878
    2018-11-01 $659,950 (-0.8%) $1,076,657 (-11.2%) 2.24 7,805
    2018-12-01 $659,000 (-3.0%) $1,087,930 (-13.0%) 2.27 6,539
    2019-01-01 $659,250 (-3.0%) $1,085,070 (-11.2%) 2.28 6,331
    2019-02-01 $669,200 (-3.5%) $1,108,895 (-10.6%) 2.26 6,366
    2019-03-01 $684,968 (-2.0%) $1,135,864 (-8.7%) 2.24 6,365
    2019-04-01 $701,950 (0.3%) $1,166,051 (-4.9%) 2.23 6,430
    2019-05-01 $717,000 (1.8%) $1,164,997 (-5.0%) 2.24 6,800
    2019-06-01 $720,000 (1.4%) $1,209,593 (-0.3%) 2.25 6,898
    2019-07-01 $712,000 (1.9%) $1,191,657 (0.6%) 2.23 7,000
    2019-08-01 $710,909 (3.9%) $1,177,695 (1.4%) 2.25 6,847
    2019-09-01 $704,773 (4.3%) $1,182,367 (6.2%) 2.26 6,587
    2019-10-01 $705,682 (5.5%) $1,193,127 (9.6%) 2.28 6,343
    2019-11-01 $714,945 (8.3%) $1,277,024 (18.6%) 2.34 5,658
    2019-12-01 $717,400 (8.9%) $1,258,384 (15.7%) 2.39 4,704
    2020-01-01 $711,725 (8.0%) $1,259,678 (16.1%) 2.38 4,219
    2020-02-01 $725,000 (8.3%) $1,286,377 (16.0%) 2.37 4,080
    2020-03-01 $749,000 (9.4%) $1,283,387 (13.0%) 2.35 4,291
    2020-04-01 $725,000 (3.3%) $1,244,868 (6.8%) 2.27 4,666
    2020-05-01 $749,000 (4.5%) $1,236,089 (6.1%) 2.28 4,812
    2020-06-01 $767,000 (6.5%) $1,353,937 (11.9%) 2.26 4,393
    2020-07-01 $789,500 (10.9%) $1,342,353 (12.7%) 2.29 4,087
    2020-08-01 $784,000 (10.3%) $1,398,771 (18.8%) 2.25 3,883
    2020-09-01 $775,000 (10.0%) $1,411,731 (19.4%) 2.22 3,843
    2020-10-01 $775,000 (9.8%) $1,435,339 (20.3%) 2.22 3,809
    2020-11-01 $762,000 (6.6%) $1,448,107 (13.4%) 2.23 3,440
    2020-12-01 $767,938 (7.0%) $1,499,202 (19.1%) 2.28 2,786
    2021-01-01 $775,000 (8.9%) $1,632,981 (29.6%) 2.31 2,356
    2021-02-01 $784,000 (8.1%) $1,617,622 (25.8%) 2.28 2,191
    2021-03-01 $786,950 (5.1%) $1,564,283 (21.9%) 2.23 2,197
    2021-04-01 $799,450 (10.3%) $1,616,627 (29.9%) 2.16 2,270
    2021-05-01 $799,000 (6.7%) $1,560,459 (26.2%) 2.12 2,548
    2021-06-01 $809,950 (5.6%) $1,523,939 (12.6%) 2.13 2,854
    2021-07-01 $819,000 (3.7%) $1,486,353 (10.7%) 2.16 3,130
    2021-08-01 $821,650 (4.8%) $1,478,471 (5.7%) 2.19 3,099
    2021-09-01 $802,500 (3.6%) $1,499,160 (6.2%) 2.14 2,865
    2021-10-01 $825,000 (6.5%) $1,559,805 (8.7%) 2.20 2,553
    2021-11-01 $834,000 (9.5%) $1,583,624 (9.4%) 2.23 2,111
    2021-12-01 $822,750 (7.1%) $1,659,581 (10.7%) 2.23 1,619
    2022-01-01 $848,500 (9.5%) $1,795,695 (10.0%) 2.29 1,464
    2022-02-01 $850,000 (8.4%) $1,781,404 (10.1%) 2.21 1,484
    2022-03-01 $881,500 (12.0%) $1,740,499 (11.3%) 2.21 1,656
    2022-04-01 $900,000 (12.6%) $1,709,012 (5.7%) 2.15 1,926
    2022-05-01 $926,750 (16.0%) $1,590,139 (1.9%) 2.12 2,779
    2022-06-01 $949,000 (17.2%) $1,530,457 (0.4%) 2.11 3,572
    2022-07-01 $899,900 (9.9%) $1,479,948 (-0.4%) 2.03 4,560
    2022-08-01 $897,000 (9.2%) $1,476,135 (-0.2%) 2.07 4,494
    2022-09-01 $888,699 (10.7%) $1,470,572 (-1.9%) 2.08 4,154
    2022-10-01 $890,000 (7.9%) $1,450,137 (-7.0%) 2.09 4,137
    2022-11-01 $884,500 (6.1%) $1,442,386 (-8.9%) 2.13 3,985
    2022-12-01 $899,000 (9.3%) $1,486,085 (-10.5%) 2.22 3,159
    2023-01-01 $904,700 (6.6%) $1,567,702 (-12.7%) 2.24 2,599
    2023-02-01 $931,998 (9.7%) $1,640,646 (-7.9%) 2.25 2,291
    2023-03-01 $949,500 (7.7%) $1,704,634 (-2.1%) 2.24 2,068
    2023-04-01 $999,950 (11.1%) $1,882,274 (10.1%) 2.33 1,950
    2023-05-01 $1,055,000 (13.8%) $1,904,280 (19.8%) 2.39 2,065
    2023-06-01 $1,092,500 (15.1%) $1,948,369 (27.3%) 2.46 2,284
    2023-07-01 $1,098,000 (22.0%) $1,947,120 (31.6%) 2.50 2,448
    2023-08-01 $1,098,975 (22.5%) $1,930,977 (30.8%) 2.52 2,489
    2023-09-01 $1,050,000 (18.2%) $1,845,164 (25.5%) 2.44 2,622
    2023-10-01 $999,000 (12.3%) $1,788,060 (23.3%) 2.35 2,848
    2023-11-01 $995,000 (12.5%) $1,770,030 (22.7%) 2.37 2,929
    2023-12-01 $980,000 (9.0%) $1,829,738 (23.1%) 2.39 2,619
    2024-01-01 $977,000 (8.0%) $1,834,937 (17.1%) 2.39 2,452
    2024-02-01 $996,500 (6.9%) $1,831,972 (11.7%) 2.40 2,424
    2024-03-01 $998,000 (5.1%) $1,792,747 (5.2%) 2.35 2,611
    2024-04-01 $1,050,000 (5.0%) $1,824,636 (-3.1%) 2.44 2,941
    2024-05-01 $1,055,000 (0.0%) $1,815,127 (-4.7%) 2.40 3,405
    2024-06-01 $1,015,000 (-7.1%) $1,716,841 (-11.9%) 2.31 3,937
    2024-07-01 $999,995 (-8.9%) $1,709,558 (-12.2%) 2.29 4,351
    2024-08-01 $999,000 (-9.1%) $1,669,232 (-13.6%) 2.32 4,489
    2024-09-01 $997,000 (-5.1%) $1,640,632 (-11.1%) 2.35 4,646
    2024-10-01 $979,200 (-2.0%) $1,614,693 (-9.7%) 2.30 4,650
    2024-11-01 $970,000 (-2.5%) $1,643,463 (-7.2%) 2.33 4,468
    2024-12-01 $964,725 (-1.6%) $1,683,636 (-8.0%) 2.40 3,698
    2025-01-01 $950,000 (-2.8%) $1,690,502 (-7.9%) 2.37 3,544
    2025-02-01 $949,995 (-4.7%) $1,692,158 (-7.6%) 2.31 3,910
    2025-03-01 $950,000 (-4.8%) $1,676,769 (-6.5%) 0.00 4,351
    San Diego's median listing price for 2025-03-01 was $950,000, a difference of $-48,000 (-4.8%) versus the prior year and $5 versus the prior month.

    San Diego's median listing price comes in at 0% of the national average.

    San Diego's average listing price for 2025-03-01 was $1,676,769, a difference of $-115,978 (-6.5%) versus the prior year and $-15,389 versus the prior month.

    For the 2025-03-01 period, San Diego had 4,351 MLS listings, a difference of 441 listings (11%) versus the prior month and 1,740 listings (67%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - San Diego (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 39 days 1,843 sqft
    2018-02-01 29 days 1,853 sqft
    2018-03-01 29 days 1,882 sqft
    2018-04-01 29 days 1,904 sqft
    2018-05-01 28 days 1,913 sqft
    2018-06-01 29 days 1,907 sqft
    2018-07-01 31 days 1,858 sqft
    2018-08-01 31 days 1,815 sqft
    2018-09-01 35 days 1,800 sqft
    2018-10-01 36 days 1,790 sqft
    2018-11-01 39 days 1,779 sqft
    2018-12-01 47 days 1,786 sqft
    2019-01-01 45 days 1,762 sqft
    2019-02-01 32 days 1,778 sqft
    2019-03-01 34 days 1,815 sqft
    2019-04-01 33 days 1,855 sqft
    2019-05-01 32 days 1,874 sqft
    2019-06-01 40 days 1,881 sqft
    2019-07-01 42 days 1,872 sqft
    2019-08-01 43 days 1,859 sqft
    2019-09-01 43 days 1,839 sqft
    2019-10-01 44 days 1,831 sqft
    2019-11-01 47 days 1,824 sqft
    2019-12-01 58 days 1,798 sqft
    2020-01-01 55 days 1,782 sqft
    2020-02-01 39 days 1,800 sqft
    2020-03-01 39 days 1,807 sqft
    2020-04-01 43 days 1,754 sqft
    2020-05-01 46 days 1,784 sqft
    2020-06-01 43 days 1,787 sqft
    2020-07-01 43 days 1,790 sqft
    2020-08-01 37 days 1,728 sqft
    2020-09-01 38 days 1,695 sqft
    2020-10-01 40 days 1,696 sqft
    2020-11-01 47 days 1,679 sqft
    2020-12-01 57 days 1,686 sqft
    2021-01-01 52 days 1,670 sqft
    2021-02-01 37 days 1,671 sqft
    2021-03-01 34 days 1,659 sqft
    2021-04-01 32 days 1,687 sqft
    2021-05-01 28 days 1,664 sqft
    2021-06-01 27 days 1,666 sqft
    2021-07-01 29 days 1,670 sqft
    2021-08-01 30 days 1,685 sqft
    2021-09-01 33 days 1,674 sqft
    2021-10-01 34 days 1,674 sqft
    2021-11-01 37 days 1,677 sqft
    2021-12-01 45 days 1,654 sqft
    2022-01-01 39 days 1,637 sqft
    2022-02-01 26 days 1,633 sqft
    2022-03-01 24 days 1,680 sqft
    2022-04-01 23 days 1,714 sqft
    2022-05-01 22 days 1,707 sqft
    2022-06-01 24 days 1,730 sqft
    2022-07-01 30 days 1,699 sqft
    2022-08-01 36 days 1,680 sqft
    2022-09-01 40 days 1,673 sqft
    2022-10-01 39 days 1,679 sqft
    2022-11-01 44 days 1,686 sqft
    2022-12-01 54 days 1,698 sqft
    2023-01-01 54 days 1,690 sqft
    2023-02-01 38 days 1,682 sqft
    2023-03-01 37 days 1,732 sqft
    2023-04-01 33 days 1,795 sqft
    2023-05-01 30 days 1,839 sqft
    2023-06-01 31 days 1,860 sqft
    2023-07-01 31 days 1,834 sqft
    2023-08-01 33 days 1,803 sqft
    2023-09-01 35 days 1,780 sqft
    2023-10-01 34 days 1,717 sqft
    2023-11-01 37 days 1,686 sqft
    2023-12-01 44 days 1,672 sqft
    2024-01-01 43 days 1,640 sqft
    2024-02-01 33 days 1,639 sqft
    2024-03-01 32 days 1,650 sqft
    2024-04-01 33 days 1,685 sqft
    2024-05-01 29 days 1,702 sqft
    2024-06-01 33 days 1,671 sqft
    2024-07-01 37 days 1,668 sqft
    2024-08-01 38 days 1,652 sqft
    2024-09-01 40 days 1,637 sqft
    2024-10-01 42 days 1,634 sqft
    2024-11-01 46 days 1,617 sqft
    2024-12-01 55 days 1,597 sqft
    2025-01-01 51 days 1,560 sqft
    2025-02-01 34 days 1,581 sqft
    2025-03-01 0 days 1,593 sqft
    San Diego's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    San Diego's median square footage for active listings during the 2025-03-01 period was 1,593 sqft. One year prior, the average listing was 1,650 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).