Price is one number; the monthly cost, the pace of the market and the type of home are three more. This page turns public data for Otay Mesa and the areas around it into an estimated monthly payment at today’s rate, a read on how competitive each market is, and the typical house, condominium and rent in each.
Nearby Markets
Otay Mesa and Its Neighbors: Monthly Cost, Pace and Home Types
The estimated monthly cost of a typical home in Otay Mesa and 12 neighboring ZIP codes at today’s mortgage rate, how quickly homes sell there, and what a house, a condominium and a rental cost.
Cost of owning
What it costs each month
Price is one number; the monthly cost is another. Here is the arithmetic for each ZIP code.
The monthly cost, side by side
Zillow’s typical home value for each ZIP code (Aug 2026), 20% down, a 30-year fixed loan at 7.28% (Freddie Mac survey, Oct 1, 2026) and property tax at an assumed 1.15% of value (1% base plus 0.15% for voter-approved charges). Within each group, highest value first.
The nearest neighbors: San Ysidro, Otay Mesa West and Imperial Beach
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| Imperial Beach (91932) | $835,561 | $167,112 | $4,574 | $801 | $5,374 |
| Chula Vista 91911 | $780,358 | $156,072 | $4,271 | $748 | $5,019 |
| Otay Mesa 92154 | $750,299 | $150,060 | $4,107 | $719 | $4,826 |
| San Ysidro (92173) | $685,876 | $137,175 | $3,754 | $657 | $4,412 |
Also close by: Chula Vista, EastLake, National City and Paradise Hills
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| EastLake 91913 | $901,942 | $180,388 | $4,937 | $864 | $5,801 |
| Chula Vista 91910 | $845,063 | $169,013 | $4,626 | $810 | $5,435 |
| Paradise Hills (92139) | $740,122 | $148,024 | $4,051 | $709 | $4,760 |
| National City (91950) | $697,141 | $139,428 | $3,816 | $668 | $4,484 |
A step further out: Encanto, Bonita, Lemon Grove and Spring Valley
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| Bonita (91902) | $1,143,860 | $228,772 | $6,261 | $1,096 | $7,357 |
| Spring Valley 91977 | $764,136 | $152,827 | $4,183 | $732 | $4,915 |
| Lemon Grove (91945) | $757,239 | $151,448 | $4,145 | $726 | $4,871 |
| Encanto and Skyline (92114) | $745,791 | $149,158 | $4,082 | $715 | $4,797 |
The gap between the highest and lowest is about $2,946 a month: Bonita at roughly $7,357 and San Ysidro at roughly $4,412, principal, interest and property tax only. Otay Mesa sits at about $4,826 a month, with 7 of the 11 other ZIP codes above it.
Rates vary by lender and borrower; insurance, HOA dues, special taxes and maintenance are not included. The payment calculator lets you try your own numbers.
The pace
The pace of each market
Homes for sale, price cuts and how quickly homes go under contract.
The pace of each market
Zillow Research, latest month (Aug 2026). Warmest first. Market temperature compares each ZIP code with its own history; the average is over all months on record since 2018.
The nearest neighbors: San Ysidro, Otay Mesa West and Imperial Beach
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| Chula Vista 91911 | 86 | 21% | n/a | 71 | 76 |
| Otay Mesa 92154 | 120 | 23% | 31 days | 64 | 83 |
| San Ysidro (92173) | 21 | 35% | n/a | 57 | 71 |
| Imperial Beach (91932) | 107 | 37% | n/a | 44 | 59 |
Also close by: Chula Vista, EastLake, National City and Paradise Hills
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| EastLake 91913 | 126 | 30% | 33 days | 62 | 76 |
| Paradise Hills (92139) | 53 | 18% | n/a | 59 | 83 |
| Chula Vista 91910 | 90 | 25% | 36 days | 58 | 75 |
| National City (91950) | 43 | 23% | n/a | 56 | 76 |
A step further out: Encanto, Bonita, Lemon Grove and Spring Valley
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| Encanto and Skyline (92114) | 72 | 23% | 32 days | 94 | 91 |
| Spring Valley 91977 | 100 | 28% | 32 days | 55 | 75 |
| Lemon Grove (91945) | 36 | 27% | n/a | 54 | 72 |
| Bonita (91902) | 39 | 33% | n/a | 49 | 64 |
Encanto and Skyline ran the warmest of these markets this month (94), and Imperial Beach the coolest (44). Otay Mesa’s reading (64) is number 3 of 12 in the group. The index measures how competitive each market is against its own past.
Market temperature: The nearest neighbors: San Ysidro, Otay Mesa West and Imperial Beach
Zillow market temperature, last 24 months.
Otay Mesa 92154San YsidroChula Vista 91911Imperial Beach
Market temperature: Also close by (with Otay Mesa 92154 for reference)
Zillow market temperature, last 24 months.
Otay Mesa 92154Chula Vista 91910EastLake 91913National CityParadise Hills
Market temperature: A step further out (with Otay Mesa 92154 for reference)
Zillow market temperature, last 24 months.
Otay Mesa 92154Encanto and SkylineBonitaLemon GroveSpring Valley 91977
Home types
House or condominium?
Typical values by home type, and typical rent, for each ZIP code.
The type of home changes the price
Zillow’s typical values for single-family homes and for condominiums, and the Zillow Observed Rent Index for all homes and apartments (Aug 2026). Highest typical value first. Rent as a share of value is a rough yearly figure, not a return on investment.
The nearest neighbors: San Ysidro, Otay Mesa West and Imperial Beach
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| Imperial Beach (91932) | $860,577 | $671,004 | 28.3% | $2,778 | 4.0% |
| Chula Vista 91911 | $805,179 | $516,506 | 55.9% | $2,706 | 4.2% |
| Otay Mesa 92154 | $775,366 | $558,931 | 38.7% | $2,978 | 4.8% |
| San Ysidro (92173) | $737,483 | $408,460 | 80.6% | $2,492 | 4.4% |
Also close by: Chula Vista, EastLake, National City and Paradise Hills
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| EastLake 91913 | $965,640 | $613,698 | 57.3% | $3,168 | 4.2% |
| Chula Vista 91910 | $880,053 | $550,276 | 59.9% | $2,570 | 3.6% |
| Paradise Hills (92139) | $762,833 | $525,618 | 45.1% | $3,526 | 5.7% |
| National City (91950) | $713,070 | $475,459 | 50.0% | $2,498 | 4.3% |
A step further out: Encanto, Bonita, Lemon Grove and Spring Valley
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| Bonita (91902) | $1,169,962 | $510,489 | 129.2% | $3,321 | 3.5% |
| Spring Valley 91977 | $779,539 | $538,388 | 44.8% | $2,476 | 3.9% |
| Lemon Grove (91945) | $762,642 | $466,876 | 63.4% | $2,661 | 4.2% |
| Encanto and Skyline (92114) | $746,824 | $555,529 | 34.4% | $2,819 | 4.5% |
Which type of home you want matters as much as where. A typical house costs 2.3 times a typical condominium in Bonita but only 1.3 times in Imperial Beach. In Otay Mesa the ratio is 1.4.
What the estimates leave out
The tables are a starting point. Real monthly costs depend on a few things they do not include:
- Association dues and special taxes. Ask for the annual amount and the end date of any special tax, and for the association’s dues and reserves.
- Insurance. Premiums vary by address, age of the home and coverage, and earthquake or flood cover is separate.
- The type of home. A typical value blends houses and condominiums; a specific home may cost far more or less.
- Your loan. Rates depend on credit, down payment and loan type. A lender can give you a real quote.
Where the areas sit
Otay Mesa sits in ZIP 92154, which also covers Ocean View Hills and communities such as Nestor and Otay Mesa West. San Ysidro (92173) is the nearest border community, Chula Vista 91911 (which also covers part of Otay Mesa West) borders it to the north, and Imperial Beach (91932) is the nearest coastal city.
Also close by. Chula Vista 91910 and EastLake and Otay Ranch (91913) are the master-planned communities to the north; National City (91950) and Paradise Hills (92139) are communities of the City of San Diego.
A step further out. Encanto and Skyline (92114) and Bonita (91902) sit beyond that, and Lemon Grove (91945) and Spring Valley (91977) are farther still.
A ZIP code is a mail-delivery area, so each contains more than one kind of street, and a home’s own address matters more than any average.
Common questions
Why is the property tax the same percentage everywhere?
California bases the tax on the purchase price at about 1%, plus local charges that vary. The 1.15% used here is a round assumption; a real bill depends on the address and any special taxes.
Does the estimate include HOA dues?
No. Add dues if the home has an association.
Why are some cells empty?
Zillow does not publish every measure for every ZIP code every month.
Can Rudy run this for a specific home?
Yes. Send the address and Rudy will build a personal estimate with the price, the tax, any special tax and current rates.
Keep exploring
- Values side by side — The same areas by value, rent and housing.
- Otay Mesa explained — The border, the industry and the homes.
- Mortgage payment calculator — Try your own numbers.
- Rent versus buy — Compare the costs.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
Sources
- Zillow Research: housing data
- Freddie Mac: Primary Mortgage Market Survey
- U.S. Census Bureau: American Community Survey
General information for orientation, not legal, tax, financial or appraisal advice. Details change; confirm anything that matters with the official source, your lender and your agent.