How much do homeowners pay a month in Valley Center, CA?
Homeowners with a mortgage in Valley Center, CA pay a median of $3,812 (±$433) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,213 (±$150).
71.7% of owned homes carry a mortgage.
In Valley Center, the median monthly cost with a mortgage went from $3,201 in 2015–2019 to $3,812 in 2020–2024 (+19.1%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $3,812 (±$433)
- Without a mortgage
- $1,213 (±$150)
- Owned with a mortgage
- 71.7%
Monthly owner costs in Valley Center
| Valley Center | San Diego County | California | United States | |
|---|---|---|---|---|
| With a mortgage | $3,812 (±$433) | $3,184 (±$17) | $2,946 (±$5) | $1,963 |
| Without a mortgage | $1,213 (±$150) | $871 (±$10) | $829 (±$3) | $638 |
| Owned homes with a mortgage | 71.7% (±5.4 points) | 69.6% (±0.4 points) | 67.4% (±0.1 points) | 60.6% |
| Median real estate taxes (a year) | $7,249 (±$787) | $5,774 (±$47) | $5,124 (±$17) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Valley Center, the median cost with a mortgage is higher than in San Diego County ($3,184).
It is also higher than in California ($2,946).
It is higher than the national figure ($1,963).
In San Diego County, Valley Center ranks 9 of 48 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 185 of 1,051.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Valley Center have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $3,201 (±$206) | $3,812 (±$433) | +19.1% | No measurable change after inflation |
| Median real estate taxes | $5,283 (±$662) | $7,249 (±$787) | +37.2% | No measurable change after inflation |
| Median home value | $614,800 (±$22,785) | $883,700 (±$39,501) | +43.7% | Up after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Valley Center
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Valley Center | — | $3,812 (±$433) | — |
| Hidden Meadows | 6.0 mi | $3,399 (±$1,177) | Not measurably different |
| Escondido | 7.7 mi | $2,869 (±$71) | Lower |
| Bonsall | 11 mi | $3,500 (±$467) | Not measurably different |
| San Marcos | 11 mi | $3,357 (±$126) | Lower |
| Harmony Grove | 12 mi | $4,000 or more | — |
| Vista | 13 mi | $2,865 (±$83) | Lower |
| Lake San Marcos | 14 mi | $2,701 (±$190) | Lower |
| Rainbow | 14 mi | $3,685 (±$765) | Not measurably different |
Nearby places with a measurably lower figure: Escondido, CA ($2,869), San Marcos, CA ($3,357), Vista, CA ($2,865).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across San Diego County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 1 (tie) | Encinitas | $4,000 or more |
| 1 (tie) | Solana Beach | $4,000 or more |
| 1 (tie) | Fairbanks Ranch | $4,000 or more |
| 1 (tie) | Harmony Grove | $4,000 or more |
| 1 (tie) | Rancho Santa Fe | $4,000 or more |
| 8 | Granite Hills | $3,847 (±$350) |
| 9 | Valley Center | $3,812 (±$433) |
| 10 | Carlsbad | $3,741 (±$129) |
| 11 | Rainbow | $3,685 (±$765) |
| 12 | Eucalyptus Hills | $3,571 (±$734) |
| 13 | Bonsall | $3,500 (±$467) |
| 14 | Casa de Oro-Mount Helix | $3,488 (±$191) |
| 15 | Poway | $3,446 (±$110) |
Showing 13 of 48 places in San Diego County, ranked from highest to lowest.
Valley Center is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Valley Center
What is the average mortgage payment in Valley Center?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Valley Center, CA is $3,812 (±$433) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Valley Center?
Owners without a mortgage in Valley Center pay a median of $1,213 (±$150) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Valley Center gone up?
In Valley Center, the median monthly cost with a mortgage went from $3,201 in 2015–2019 to $3,812 in 2020–2024 (+19.1%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Valley Center CDP, California
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Valley Center CDP, California
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Valley Center CDP, California
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Valley Center CDP, California
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Valley Center CDP, California
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Valley Center CDP, California (place:81736, in state:06).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Valley Center at a glance
- Median rent in Valley Center
- Income and affordability in Valley Center
- Home values in Valley Center
- Property taxes in Valley Center
- Types of homes in Valley Center
- Bedrooms in Valley Center
- Age of homes in Valley Center
- Heating fuel in Valley Center
- Commute and cars in Valley Center
- Population growth in Valley Center
- How long people stay in Valley Center
- Crowding and facilities in Valley Center
- California landlord and tenant rules
- Housing across San Diego County
- Housing data for every place in California