San Diego VA Loan Rates, Closing Costs & Stats

SAN DIEGO-CHULA VISTA-CARLSBAD, CA

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

San Diego's 275 lenders originated 24,294 VA loans during 2021. The total origination value was $13,667,830,000, with an average VA loan value of $562,601.

San Diego VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in San Diego averaged 6.6% for the week of 2022-12-02, compared to the national average (all VA variants) of 6.292% for the same period.

San Diego's average VA mortgage closing costs are $8,280.

The average rate for the prior week (2022-11-25) was 6.83% and one month ago for the week of 2022-10-28, the average rate was 6.72%.

The average rate one year ago was 3.3%.

For refis of the same type during the week of 2022-12-02, the average rate was 6.09%.

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

San Diego VA Loan Lenders by Rates & Fees

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

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 2,246 2.34% $5,293
UNITED WHOLESALE MORTGAGE, LLC 2,049 2.48% $9,390
FREEDOM MORTGAGE CORPORATION 1,699 2.34% $4,664
PENNYMAC LOAN SERVICES, LLC 1,271 2.31% $8,765
LOANDEPOT.COM, LLC 1,089 2.40% $7,651
CALIBER HOME LOANS, INC. 964 2.44% $10,612
NAVY FEDERAL CREDIT UNION 950 2.44% $7,124
HOME POINT FINANCIAL CORPORATION 913 2.37% $7,147
CROSSCOUNTRY MORTGAGE, LLC 778 2.58% $13,027
AMERICAN PACIFIC MORTGAGE CORPORATION 682 2.62% $13,856
Mortgage Research Center, LLC 665 2.71% $12,487
LAKEVIEW LOAN SERVICING, LLC 363 2.40% $3,187
CMG MORTGAGE, INC. 357 2.40% $10,582
GUARANTEED RATE, INC. 343 2.47% $10,122
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 310 2.69% $12,605
VILLAGE CAPITAL MORTGAGE 304 2.21% $5,590
AMERICAN FINANCIAL NETWORK, INC. 260 2.51% $13,927
HOMEBRIDGE FINANCIAL SERVICES, INC. 239 2.52% $10,559
FINANCE OF AMERICA MORTGAGE LLC 212 2.54% $9,372
BROKER SOLUTIONS, INC. 192 2.53% $7,440
Mr. Cooper ( Nationstar Mortgage ) 182 2.50% $5,221
CLEARPATH LENDING 177 2.21% $6,440
Wells Fargo Bank 169 2.52% $5,446
Flagstar Bank, FSB 164 2.51% $9,486
MORTGAGEONE, INC. 164 2.49% $9,849
The Federal Savings Bank 163 2.42% $9,115
MOVEMENT MORTGAGE, LLC 162 2.73% $9,745
NEWREZ LLC 159 2.52% $5,728
GUILD MORTGAGE COMPANY 156 2.62% $9,270
First Guaranty Mortgage Corporation 154 2.35% $5,393
BAY EQUITY LLC 135 2.62% $9,356
Lakeview Community Capital, LLC 129 2.37% $3,168
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 128 2.69% $15,145
PLANET HOME LENDING, LLC 126 2.42% $8,385
SUMMIT FUNDING, INC. 123 2.68% $10,850
NEW DAY FINANCIAL, LLC 113 2.83% $13,624
ARK-LA-TEX FINANCIAL SERVICES, LLC. 109 2.50% $10,699
SUN WEST MORTGAGE COMPANY, INC. 109 2.45% $7,972
RESIDENTIAL WHOLESALE MORTGAGE, INC. 101 2.59% $8,879
GRANDE HOMES, INC. 99 2.39% $5,804
CELEBRITY HOME LOANS, LLC 95 2.71% $9,678
MUFG Union Bank 95 2.38% $4,124
PLAZA HOME MORTGAGE, INC. 91 2.44% $6,253
EAGLE HOME MORTGAGE, LLC 84 2.72% $12,422
STEARNS LENDING, LLC 78 2.42% $7,341
Carrington Mortgage Services, LLC 73 2.75% $7,202
USAA Federal Savings Bank 69 2.81% $4,970
PRIMELENDING, A PLAINSCAPITAL COMPANY 69 2.83% $9,583
OCMBC, INC. 68 2.47% $9,863
InterContinental Capital Group, Inc 59 2.34% $5,000
Equity Prime Mortgage LLC 57 2.87% $10,963
Golden Empire Mortgage, Inc. 57 2.60% $10,646
S1L, Inc. 57 2.63% $11,434
Barrington Bank & Trust Company, N.A. 55 2.51% $7,624
NBKC BANK 54 2.46% $7,152
North American Savings Bank, F.S.B. 54 2.35% $6,378
LENDUS, LLC 51 2.52% $14,162
San Diego Funding 50 2.56% $9,074
JMJ FINANCIAL GROUP 50 2.51% $14,480
AMERISAVE MORTGAGE CORPORATION 49 2.43% $7,871
NOVA FINANCIAL & INVESTMENT CORPORATION 47 2.47% $5,418
PENTAGON FEDERAL CREDIT UNION 45 2.34% $4,286
INTERCAP LENDING INC. 42 2.60% $11,741
Prosperity Home Mortgage, LLC 41 2.65% $13,061
BNC National Bank 39 2.24% $6,506
Prime Choice Funding Inc. 38 2.34% $6,161
GUARANTEED RATE AFFINITY, LLC 38 2.40% $10,843
NETWORK CAPITAL FUNDING CORPORATION 37 2.52% $8,184
Paramount Residential Mortgage Group, Inc. 37 2.82% $12,929
Low VA Rates, LLC 36 2.35% $6,137
SOVEREIGN LENDING GROUP INCORPORATED 36 2.46% $8,055
Commerce Home Mortgage, Inc. 34 2.60% $9,676
ACCELERATE MORTGAGE, LLC 33 2.18% $8,182
MUTUAL OF OMAHA MORTGAGE, INC. 32 2.57% $8,384
U.S. Bank 29 2.65% $14,044
Strong Home Mortgage, LLC 29 2.40% $3,840
NATIONS DIRECT MORTGAGE, LLC 28 2.69% $11,104
FBC MORTGAGE, LLC 26 2.40% $9,427
MORIA DEVELOPMENT, INC. 25 2.56% $11,384
Franklin Loan Corporation 25 2.77% $14,165
KBHS HOME LOANS, LLC 24 2.72% $12,077
DHI MORTGAGE COMPANY, LTD. 23 2.53% $13,291
FRONTWAVE 22 2.45% $2,610
NP, Inc. 21 2.31% $6,402
ISERVE RESIDENTIAL LENDING, LLC 21 2.63% $13,991
CALCON MUTUAL MORTGAGE LLC 21 2.90% $11,310
AMCAP MORTGAGE, LTD. 19 2.58% $15,015
Wallick & Volk, Inc. 19 2.67% $16,636
ML Mortgage Corp. 17 2.35% $9,184
Wyndham Capital Mortgage, Inc. 15 2.40% $2,521
Home Mortgage Alliance Corp 15 2.37% $6,568
Magnolia Bank 15 2.54% $12,324
EVERETT FINANCIAL, INC. 15 2.75% $8,919
LOANPAL, LLC 15 2.46% $11,679
PRIMARY RESIDENTIAL MORTGAGE, INC. 14 2.52% $8,062
NFM, INC. 13 2.66% $12,878
IMPAC MORTGAGE CORP. 12 2.51% $10,281
MEGA CAPITAL FUNDING, INC. 12 2.39% $9,171
FIRST NATIONS HOME FINANCE CORPORATION 12 2.74% $15,149
GENEVA FINANCIAL, LLC 12 2.56% $13,616
LADERA LENDING, INC. 12 2.53% $9,350
OPEN MORTGAGE, LLC 11 2.47% $10,150
SUNSTREET MORTGAGE, LLC 11 2.48% $7,396
AXIA FINANCIAL, LLC 10 2.49% $6,608
Sierra Pacific Mortgage Company, Inc. 10 2.71% $10,110
HOMEOWNERS FINANCIAL GROUP USA, LLC 10 2.83% $15,881
Amerifirst Financial, Inc. 10 2.71% $9,891
AMERICAN PORTFOLIO MORTGAGE CORPORATION 10 2.30% $3,369
KS StateBank 9 2.26% $5,019
TJC Mortgage, Inc. 9 2.21% $5,585
Bank of England 9 2.42% $12,145
DIGNIFIED HOME LOANS, LLC 9 2.46% $7,682
PARKSIDE LENDING, LLC 9 2.33% $10,049
FirstBank 8 2.33% $9,422
M&T Bank 8 2.55% $7,315
Banner Bank 8 2.53% $7,760
First Mortgage Solutions, LLC 8 2.30% $4,534
First Federal Bank 8 2.97% $18,516
Northpointe Bank 7 2.59% $10,724
First Federal Bank of Kansas City 7 2.29% $3,998
DAS Acquisition Company, LLC 7 2.84% $13,312
S&S Financial 7 2.57% $6,165
SRE MORTGAGE ALLIANCE INC. 7 2.39% $4,772
CORNERSTONE HOME LENDING, INC. 7 3.09% $6,082
INTERNATIONAL CITY MORTGAGE, INC. 7 2.84% $15,294
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 7 2.66% $7,699
MID AMERICA MORTGAGE, INC. 7 2.54% $3,024
The Central Trust Bank 6 2.52% $14,739
Hometown Equity Mortgage, LLC 6 2.69% $11,000
Shea Mortgage Inc. 6 2.46% $9,083
CHURCHILL MORTGAGE CORPORATION 6 2.40% $4,332
Meridian Bank Corporation 6 2.50% $14,088
CONTOUR MORTGAGE CORPORATION 6 2.42% $7,023
MOUNTAIN WEST FINANCIAL, INC. 6 2.60% $5,392
HighTechLending Inc 6 2.52% $11,550
UNION HOME MORTGAGE CORP. 6 2.33% $16,064
AmeriHome Mortgage Company, LLC 6 2.69% $3,602
Peoples Bank 5 2.88% $9,741
LENOX FINANCIAL MORTGAGE CORPORATION 5 2.43% $7,562
WESTERN EXPRESS LENDING 5 2.78% $17,834
Nations Lending Corporation 5 2.75% $13,682
CHERRY CREEK MORTGAGE, LLC 5 2.53% $1,291
Citizens Bank 5 2.45% $11,403
HOMESIDE FINANCIAL, LLC 5 2.38% $9,896
AMERICAN FINANCING CORPORATION 5 2.45% $3,637
SECURITYNATIONAL MORTGAGE COMPANY 4 2.69% $18,766
ALAMEDA MORTGAGE CORPORATION 4 2.56% $17,679
EMBRACE HOME LOANS, INC. 4 2.28% $3,238
VAN DYK MORTGAGE CORPORATION 4 2.94% $12,482
First Savings Bank 4 2.59% $11,402
AMERICAN FINANCIAL RESOURCES, INC. 4 2.81% $6,192
V.I.P. MORTGAGE, INC. 4 2.28% $3,945
LIBERTY HOME MORTGAGE CORPORATION 4 2.41% $8,624
MASON MCDUFFIE MORTGAGE CORPORATION 4 2.56% $5,878
Watermark Capital, Inc. 4 2.25% $2,232
Willamette Valley Bank 4 2.50% $6,401
Summit Mortgage Corporation 4 2.50% $3,799
RESIDENTIAL BANCORP. 4 2.69% $12,863
ZILLOW HOME LOANS, LLC 4 2.97% $14,326
Ameris Bank 4 2.53% $9,369
Goldwater Bank, N.A. 4 2.47% $10,230
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 2.56% $2,232
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 2.91% $5,887
UNITED SECURITY FINANCIAL CORP 4 2.00% $4,842
LOANLEADERS OF AMERICA, INC. 3 2.46% $16,292
DATA MORTGAGE, INC. 3 2.67% $8,621
CUSTOMER SERVICE MORTGAGE CORPORATION 3 2.67% $11,706
HOME APPROVALS DIRECT, INC. 3 2.46% $11,095
INLAND BANK & TRUST 3 2.96% $7,354
INTELLILOAN, INC. 3 2.46% $9,040
Capital Bank 3 2.33% $1,492
CANOPY MORTGAGE, LLC 3 2.67% $14,049
CALIFORNIA CREDIT UNION 3 1.17% $0
CALCULATED RISK ANALYTICS LLC 3 2.46% $11,506
ON Q FINANCIAL, INC. 3 3.58% $10,213
PACIFIC RESIDENTIAL MORTGAGE, LLC 3 2.67% $1,720
South Pacific Financial Corporation 3 2.50% $13,941
AHL FUNDING 3 2.58% $10,140
ACADEMY MORTGAGE CORPORATION 3 2.83% $21,684
Plains Commerce Bank 2 2.75% $2,536
Evolve Bank & Trust 2 2.75% $5,728
SOUTHWEST STAGE FUNDING, LLC 2 3.13% $8,381
TOWNE MORTGAGE COMPANY 2 2.63% $12,025
American Mortgage and Insurance Inc. 2 2.75% $8,063
Community First National Bank 2 2.44% $2,146
NBH Bank 2 2.31% $20,020
DRAPER AND KRAMER MORTGAGE CORP. 2 2.25% $3,753
Florida Capital Bank 2 3.00% $12,290
AMERICAN HOME LENDING USA, LLC 2 2.25% $5,558
Loan Simple, Inc. 2 2.25% $11,407
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 2.75% $2,998
Credence Funding Corporation 2 2.25% $2,354
HOMEAMERICAN MORTGAGE CORPORATION 2 2.88% $8,982
Armed Forces Bank 2 2.75% $12,363
Sunflower Bank 2 2.93% $34,740
PNC Bank 2 3.13% $3,294
Hometown Lenders, Inc. 2 2.75% $15,260
Century Mortgage Company DBA Century Lending Company 2 2.25% $3,567
HomeStreet Bank 2 2.81% $4,001
HOMESTEAD FUNDING CORP. 2 2.50% $2,672
GoPrime Mortgage, Inc. 2 2.38% $11,515
ALL WESTERN MORTGAGE, INC. 2 4.75% $23,478
First Home Bank 2 2.44% $7,331
LEADERONE FINANCIAL CORPORATION 1 2.38% $3,771
Landmark National Bank 1 2.38% $5,065
Axos Bank 1 3.25% $5,061
LAND HOME FINANCIAL SERVICES, INC. 1 3.75% $6,358
PHH Mortgage Corporation 1 2.75% $2,614
PINNACLE LENDING GROUP, INC. 1 2.88% $29,401
COMMUNITYAMERICA 1 2.25% $5,947
Platinum Home Mortgage Corporation 1 3.00% $24,448
PREMIER MORTGAGE RESOURCES, L.L.C. 1 2.38% $6,654
Presidential Bank, FSB 1 2.63% $3,473
ARC HOME LLC 1 2.25% $1,588
AmRes Corporation 1 2.25% $6,317
KELLER MORTGAGE, LLC 1 2.75% $17,352
COMPASS MORTGAGE, INC. 1 3.63% $21,100
JPMorgan Chase Bank 1 2.63% $19,070
Residential Mortgage Solutions, Inc. 1 2.75% $23,239
Congressional Bank 1 2.63% $21,285
JMAC LENDING, INC. 1 3.13% $26,083
JAMES B. NUTTER & COMPANY 1 2.63% $922
SIWELL, INC. 1 2.63% $5,309
Financial Funding Solutions, Inc. 1 2.75% $1,928
HomePromise Corporation 1 2.75% $64,638
COUNTRY CLUB MORTGAGE, INC. 1 3.00% $8,019
HOMEOWNERS FIRST MORTGAGE, LLC 1 2.99% $22,756
SUN AMERICAN MORTGAGE COMPANY 1 2.50% $3,724
Great Plains National Bank 1 2.50% $32,122
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.75% $4,848
TBI MORTGAGE COMPANY 1 2.75% $15,842
Texana Bank 1 2.25% $928
The Home Loan Expert LLC 1 2.25% $3,810
TIAA, FSB 1 2.75% $3,829
1st Security Bank of Washington 1 3.00% $3,456
TruHome Solutions, LLC 1 2.75% $5,984
Umpqua Bank 1 3.00% $2,670
DIRECT MORTGAGE, CORP. 1 2.25% $38,281
ENVOY MORTGAGE, LTD 1 3.13% $38,098
Advisors Mortgage Group, L.L.C. 1 2.75% $4,237
US MORTGAGE CORPORATION 1 2.75% $2,578
FISHER FINANCIAL GROUP, INCORPORATED 1 2.38% $2,790
Zions Bancorporation, N.A. 1 2.38% $8,800
First National Bank Texas 1 2.25% $3,857
MORTGAGE 2000, INC. 1 2.75% $8,162
Mid-Continent Funding, Inc. 1 2.75% $30,146
MDE Home Loans, LLC 1 2.75% $17,822
CENTRAL COAST LENDING, INC. 1 2.75% $12,428
CITYWIDE HOME LOANS, LLC 1 2.25% $2,282
CAPSTONE DIRECT, INC. 1 2.38% $20,761
VISION ONE MORTGAGE, INC. 1 2.63% $5,939
ST FIN CORP 1 2.88% $7,083
NATIONS RELIABLE LENDING, LLC 1 2.88% $50,489
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.25% $12,073
CALLISTO GROUP, INC. 1 3.25% $3,461
EMM LOANS LLC 1 2.38% $3,010
Neighborhood Loans, Inc. 1 2.25% $31,436
ABSOLUTE HOME MORTGAGE CORPORATION 1 2.88% $6,570
BEST CAPITAL FUNDING 1 2.25% $5,763
NEXERA HOLDING LLC 1 2.25% $1,649
LOANFLIGHT LENDING, LLC 1 2.25% $2,511
Bell Bank 1 2.25% $8,732
Colonial Savings, F.A. 1 2.63% $11,405
Northwest Federal Credit Union 1 3.00% $4,386
BELEM SERVICING LLC 1 2.25% $12,397
LHM FINANCIAL CORPORATION 1 3.25% $5,693
OAKTREE FUNDING CORP. 1 3.25% $20,945
BECKAM FUNDING CORP. 1 2.63% $6,201
FIRST COMMUNITY MORTGAGE, INC. 1 2.50% $1,465
ONY GLO, INC. 1 2.75% $2,619
Colten Mortgage, LLC 1 2.25% $2,129
First Bank 1 2.38% $1,911
PANORAMA MORTGAGE GROUP, LLC 1 2.62% $15,818
Paramount Bank 1 2.63% $3,386
LENDING 3, INC. 1 2.88% $17,714

The top San Diego VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 2,246 VA loans originated. Their average total fees are $5,293, which is $4,096 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee San Diego VA lenders (with over 10 loans originated) are Wyndham Capital Mortgage, Inc. ($2,521), FRONTWAVE ($2,610), Lakeview Community Capital, LLC ($3,168), LAKEVIEW LOAN SERVICING, LLC ($3,187) and AMERICAN PORTFOLIO MORTGAGE CORPORATION ($3,369).

The lowest rate San Diego VA lenders (with over 10 loans originated) are ACCELERATE MORTGAGE, LLC (2.18%), CLEARPATH LENDING (2.21%), VILLAGE CAPITAL MORTGAGE (2.21%), BNC National Bank (2.24%) and AMERICAN PORTFOLIO MORTGAGE CORPORATION (2.30%).


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%) $1,222,221 (0.5%) 2.52 4,270
2018-02-01 $693,103 (3.9%) $1,240,396 (-1.5%) 2.52 4,507
2018-03-01 $699,000 (3.2%) $1,243,686 (-0.9%) 2.45 4,933
2018-04-01 $699,897 (0.1%) $1,226,353 (-3.8%) 2.37 5,570
2018-05-01 $704,224 (0.6%) $1,225,944 (-3.9%) 2.35 5,988
2018-06-01 $710,000 (1.4%) $1,213,250 (-3.1%) 2.37 6,378
2018-07-01 $699,000 (0.0%) $1,184,885 (-4.5%) 2.33 6,979
2018-08-01 $684,500 (-0.7%) $1,161,007 (-4.9%) 2.29 7,491
2018-09-01 $675,495 (-0.5%) $1,113,445 (-7.9%) 2.27 7,778
2018-10-01 $669,000 (-0.7%) $1,088,538 (-9.4%) 2.26 7,880
2018-11-01 $659,950 (-0.8%) $1,076,574 (-11.2%) 2.24 7,806
2018-12-01 $659,000 (-3.0%) $1,087,837 (-13.0%) 2.27 6,540
2019-01-01 $659,250 (-3.0%) $1,085,010 (-11.2%) 2.28 6,331
2019-02-01 $669,100 (-3.5%) $1,108,790 (-10.6%) 2.26 6,367
2019-03-01 $684,714 (-2.0%) $1,135,608 (-8.7%) 2.24 6,368
2019-04-01 $699,500 (-0.1%) $1,166,280 (-4.9%) 2.22 6,436
2019-05-01 $717,000 (1.8%) $1,165,725 (-4.9%) 2.24 6,811
2019-06-01 $720,000 (1.4%) $1,210,045 (-0.3%) 2.25 6,915
2019-07-01 $712,000 (1.9%) $1,192,168 (0.6%) 2.23 7,019
2019-08-01 $710,908 (3.9%) $1,178,203 (1.5%) 2.25 6,869
2019-09-01 $704,772 (4.3%) $1,182,323 (6.2%) 2.26 6,609
2019-10-01 $705,631 (5.5%) $1,192,622 (9.6%) 2.28 6,366
2019-11-01 $714,888 (8.3%) $1,276,286 (18.6%) 2.34 5,681
2019-12-01 $717,000 (8.8%) $1,257,508 (15.6%) 2.39 4,727
2020-01-01 $710,000 (7.7%) $1,258,645 (16.0%) 2.37 4,242
2020-02-01 $725,000 (8.4%) $1,285,219 (15.9%) 2.37 4,103
2020-03-01 $749,000 (9.4%) $1,282,517 (12.9%) 2.35 4,314
2020-04-01 $724,950 (3.6%) $1,244,323 (6.7%) 2.27 4,689
2020-05-01 $749,000 (4.5%) $1,235,496 (6.0%) 2.28 4,835
2020-06-01 $767,000 (6.5%) $1,352,786 (11.8%) 2.26 4,416
2020-07-01 $789,400 (10.9%) $1,341,209 (12.5%) 2.29 4,110
2020-08-01 $780,000 (9.7%) $1,397,272 (18.6%) 2.24 3,905
2020-09-01 $775,000 (10.0%) $1,410,312 (19.3%) 2.22 3,865
2020-10-01 $775,000 (9.8%) $1,433,302 (20.2%) 2.22 3,832
2020-11-01 $760,888 (6.4%) $1,446,089 (13.3%) 2.22 3,465
2020-12-01 $767,250 (7.0%) $1,496,214 (19.0%) 2.28 2,811
2021-01-01 $774,450 (9.1%) $1,628,027 (29.4%) 2.31 2,381
2021-02-01 $781,000 (7.7%) $1,613,162 (25.5%) 2.27 2,215
2021-03-01 $782,450 (4.5%) $1,560,651 (21.7%) 2.22 2,220
2021-04-01 $799,450 (10.3%) $1,612,786 (29.6%) 2.16 2,294
2021-05-01 $799,000 (6.7%) $1,556,906 (26.0%) 2.11 2,572
2021-06-01 $809,900 (5.6%) $1,521,378 (12.5%) 2.13 2,877
2021-07-01 $815,000 (3.2%) $1,483,872 (10.6%) 2.15 3,151
2021-08-01 $817,450 (4.8%) $1,476,453 (5.7%) 2.18 3,120
2021-09-01 $800,000 (3.2%) $1,497,145 (6.2%) 2.13 2,889
2021-10-01 $824,945 (6.4%) $1,556,406 (8.6%) 2.20 2,577
2021-11-01 $831,000 (9.2%) $1,579,735 (9.2%) 2.22 2,134
2021-12-01 $820,000 (6.9%) $1,654,528 (10.6%) 2.22 1,642
2022-01-01 $839,900 (8.5%) $1,787,741 (9.8%) 2.27 1,484
2022-02-01 $849,950 (8.8%) $1,773,999 (10.0%) 2.21 1,508
2022-03-01 $876,375 (12.0%) $1,733,901 (11.1%) 2.19 1,680
2022-04-01 $899,999 (12.6%) $1,701,329 (5.5%) 2.15 1,949
2022-05-01 $923,091 (15.5%) $1,582,726 (1.7%) 2.11 2,803
2022-06-01 $948,597 (17.1%) $1,526,928 (0.4%) 2.11 3,594
2022-07-01 $899,900 (10.4%) $1,477,545 (-0.4%) 2.04 4,583
2022-08-01 $896,500 (9.7%) $1,473,306 (-0.2%) 2.07 4,516
2022-09-01 $887,560 (11.0%) $1,468,780 (-1.9%) 2.08 4,177
2022-10-01 $890,000 (7.9%) $1,448,956 (-6.9%) 2.09 4,158
2022-11-01 $884,000 (6.4%) $1,441,142 (-8.8%) 2.13 4,005
San Diego's median listing price for 2022-11-01 was $884,000, a difference of $53,000 (6.4%) versus the prior year and $-6,000 versus the prior month.

San Diego's median listing price comes in at 213% of the national average.

San Diego's average listing price for 2022-11-01 was $1,441,142, a difference of $-138,593 (-8.8%) versus the prior year and $-7,814 versus the prior month.

For the 2022-11-01 period, San Diego had 4,005 MLS listings, a difference of -153 listings (-4%) versus the prior month and 1,871 listings (88%) 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 40 days 1,842 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 29 days 1,913 sqft
2018-06-01 30 days 1,908 sqft
2018-07-01 32 days 1,858 sqft
2018-08-01 31 days 1,815 sqft
2018-09-01 36 days 1,800 sqft
2018-10-01 36 days 1,790 sqft
2018-11-01 39 days 1,779 sqft
2018-12-01 49 days 1,786 sqft
2019-01-01 46 days 1,761 sqft
2019-02-01 33 days 1,777 sqft
2019-03-01 35 days 1,814 sqft
2019-04-01 33 days 1,854 sqft
2019-05-01 32 days 1,873 sqft
2019-06-01 41 days 1,880 sqft
2019-07-01 43 days 1,870 sqft
2019-08-01 44 days 1,858 sqft
2019-09-01 44 days 1,839 sqft
2019-10-01 45 days 1,831 sqft
2019-11-01 48 days 1,824 sqft
2019-12-01 59 days 1,797 sqft
2020-01-01 56 days 1,781 sqft
2020-02-01 40 days 1,800 sqft
2020-03-01 40 days 1,806 sqft
2020-04-01 44 days 1,754 sqft
2020-05-01 49 days 1,784 sqft
2020-06-01 43 days 1,787 sqft
2020-07-01 44 days 1,789 sqft
2020-08-01 38 days 1,728 sqft
2020-09-01 39 days 1,695 sqft
2020-10-01 43 days 1,697 sqft
2020-11-01 48 days 1,680 sqft
2020-12-01 59 days 1,686 sqft
2021-01-01 56 days 1,671 sqft
2021-02-01 39 days 1,672 sqft
2021-03-01 36 days 1,659 sqft
2021-04-01 33 days 1,687 sqft
2021-05-01 28 days 1,664 sqft
2021-06-01 29 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 35 days 1,674 sqft
2021-11-01 38 days 1,677 sqft
2021-12-01 47 days 1,654 sqft
2022-01-01 42 days 1,637 sqft
2022-02-01 28 days 1,633 sqft
2022-03-01 25 days 1,679 sqft
2022-04-01 23 days 1,713 sqft
2022-05-01 23 days 1,706 sqft
2022-06-01 25 days 1,730 sqft
2022-07-01 30 days 1,698 sqft
2022-08-01 36 days 1,680 sqft
2022-09-01 40 days 1,673 sqft
2022-10-01 40 days 1,679 sqft
2022-11-01 44 days 1,687 sqft
San Diego's median listing age (time on market) for 2022-11-01 was 44 days. This is 16% longer than the same period one year ago.

San Diego's median square footage for active listings during the 2022-11-01 period was 1,687 sqft. One year prior, the average listing was 1,677 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.