Lardner Valenzuela
Coldwell Banker West
Bonita Housing Market Report
ZIP code 91902September 2026 · Data through September 30, 2026Market at a Glance
Bonita is a small market, and September was a small month: just 3 detached and 6 attached homes closed. So I am going to be careful here. The monthly numbers swing hard on a handful of sales, and the year-to-date figures tell the real story. Through September, the detached median is up 1.9% at $1,235,000, detached homes are selling for 99.5% of original list in 27 days, and detached supply sits at just 1.8 months. Condos and townhomes are the opposite: 4.6 months of supply and 70 days on market year to date, a genuinely balanced market with room to negotiate.
Detached Median, YTD
Attached Median, YTD
Detached Supply
Attached Supply
Year-to-date figures cover January–September. Months of supply measures current inventory against the pace of sales over the past year, so it is not distorted by one slow month. A balanced market is generally 4–6 months.
By Property Type
Detached homes stay scarce. Only 14 were for sale at the end of September, down 30.0% from a year ago, and supply tightened to 1.8 months, tighter than the county’s 2.4. The 3 detached homes that closed sold at 100.5% of original list, with a $1,260,000 median; with 3 sales, that median is a snapshot, not a trend. Condos and townhomes have opened up. Attached inventory rose to 12 from 9 and supply reached 4.6 months, above the county’s 4.0. The 6 attached sales averaged 97 days on market and 95.1% of list, and only 1 attached home went under contract in September.
| Metric | Sep 2026 | YoY |
|---|---|---|
| Median Sale Price * | $1,260,000 | −4.9% |
| Closed Sales | 3 | −62.5% |
| Pending Sales | 6 | −33.3% |
| New Listings | 10 | −33.3% |
| Homes for Sale | 14 | −30.0% |
| Months of Supply | 1.8 | −14.3% |
| Days on Market * | 42 | +55.6% |
| % of Orig. List Price * | 100.5% | −2.4% |
| Metric | Sep 2026 | YoY |
|---|---|---|
| Median Sale Price * | $632,500 | −14.4% |
| Closed Sales | 6 | +100.0% |
| Pending Sales | 1 | −85.7% |
| New Listings | 4 | −33.3% |
| Homes for Sale | 12 | +33.3% |
| Months of Supply | 4.6 | +27.8% |
| Days on Market * | 97 | +86.5% |
| % of Orig. List Price * | 95.1% | +0.6% |
* Small sample: September medians, list-price ratios and days on market rest on 3 detached and 6 attached closed sales. Percent changes on numbers this small can look extreme; the year-to-date figures below are the steadier read.
Year-to-Date Trends
With single-digit monthly sales, I chart the January–September totals instead of month-to-month swings.
Median Sale Price, YTD
January–September, 2025 vs. 2026
Accepted Offers and Closings, YTD
January–September, 2025 vs. 2026
The Numbers
| Metric | Detached Sep | Detached YTD | Attached Sep | Attached YTD |
|---|---|---|---|---|
| New Listings | 10−33.3% | 98−21.0% | 4−33.3% | 30−30.2% |
| Pending Sales | 6−33.3% | 71−12.3% | 1−85.7% | 20−9.1% |
| Closed Sales | 3−62.5% | 73−13.1% | 6+100.0% | 23+35.3% |
| Median Sale Price | $1,260,000−4.9% | $1,235,000+1.9% | $632,500−14.4% | $590,000−4.1% |
| % of Orig. List Received | 100.5%−2.4% | 99.5%+1.0% | 95.1%+0.6% | 96.0%−1.6% |
| Days on Market | 42+55.6% | 27−18.2% | 97+86.5% | 70+118.8% |
| Homes for Sale | 14−30.0% | — | 12+33.3% | — |
| Months of Supply | 1.8−14.3% | — | 4.6+27.8% | — |
Bonita (91902), September 2026 and year to date (January–September) with year-over-year change, as reported by the MLS. Percent changes are calculated using rounded figures and can look extreme due to small sample sizes.
How Bonita Compares to San Diego County
Using year-to-date medians, which are the fair comparison for a market this size: Bonita’s detached homes carry a premium, and its condos are a relative bargain. The detached median of $1,235,000 is $135,000 above the county’s $1,100,000, and detached homes have sold faster here this year (27 days versus 36) with tighter supply (1.8 months versus 2.4). The attached median of $590,000 is $75,000 below the county’s $665,000, with more supply (4.6 months versus 4.0) and longer market times. Bonita’s detached price growth has been more modest, up 1.9% year to date against 3.3% countywide.
| Metric | Bonita Detached | County Detached | Bonita Attached | County Attached |
|---|---|---|---|---|
| Median sale price, YTD | $1,235,000+1.9% | $1,100,000+3.3% | $590,000−4.1% | $665,000−0.7% |
| % of orig. list received, YTD | 99.5%+1.0% | 98.5%+0.6% | 96.0%−1.6% | 97.5%−0.3% |
| Days on market, YTD | 27−18.2% | 360.0% | 70+118.8% | 44+10.0% |
| Months of supply, Sep | 1.8−14.3% | 2.4−14.3% | 4.6+27.8% | 4.0+5.3% |
| Pending sales, YTD | 71−12.3% | 11,319−1.8% | 20−9.1% | 6,439+2.1% |
| Closed sales, YTD | 73−13.1% | 11,074−0.4% | 23+35.3% | 6,244+2.2% |
Year-to-date figures cover January–September 2026 with change from the same period of 2025. County figures from the San Diego MLS Monthly Indicators report, current as of October 5, 2026.
Mortgage Rate Snapshot
Countywide, accepted offers fell sharply in September as the 30-year fixed moved above 7% following the Federal Reserve’s September 16 rate increase. As of October 8, the 30-year averages 7.40%, 1.10 points above a year ago. Bonita’s detached accepted offers were 6 in September, versus 9 a year ago, and are down 12.3% year to date.
30-Year Fixed
Up from 7.28% last week; 6.30% a year ago
15-Year Fixed
5.53% a year ago; faster payoff, lower rate
2026 Loan Limits
Conforming, San Diego County 1-unit; high-balance conforming up to $1,104,000
Payment illustration. Because Bonita’s monthly medians rest on so few sales, I use year-to-date medians here. At Bonita’s year-to-date detached median of $1,235,000 with 20% down, a $988,000 loan (high-balance conforming) runs about $6,841 per month in principal and interest at 7.40%; at last year’s 6.30%, the same loan would have run $6,115, about $726 less. That loan is high-balance conforming: above the $832,750 standard limit but within $1,104,000, so it avoids jumbo pricing. At the year-to-date attached median of $590,000, a $472,000 standard conforming loan runs about $3,268, versus $2,922 at last year’s rate. Put another way, the $6,841 payment on a median detached home today would have carried a loan of roughly $1,105,000 a year ago, which would have been a jumbo loan.
Good News on Both Sides of the Table
For Sellers
Where the leverage is
- Detached supply is tighter than the county. Bonita had 1.8 months of detached supply at the end of September, versus 2.4 countywide, with inventory down 30.0% to 14 homes.
- Detached homes are selling close to full price. Year to date, detached sellers have received 99.5% of original list price, up from 98.5%, and homes have sold in 27 days, versus 33 a year ago.
- Values are holding. The year-to-date detached median is up 1.9% to $1,235,000, about $135,000 above the countywide detached median.
- More condo sales are getting done. Year-to-date attached closings are up 35.3%, from 17 to 23.
For Buyers
Where the openings are
- Bonita condos are a buyer’s opportunity. Attached supply is 4.6 months, inside the balanced range and above the county’s 4.0, and condos have averaged 70 days on market this year.
- Condo prices have softened. The year-to-date attached median is $590,000, down 4.1% and $75,000 below the county. Attached sellers have received 96.0% of original list on average, which leaves room to negotiate.
- Less detached competition. Year-to-date detached accepted offers are down 12.3% (71, versus 81), so fewer buyers are competing for single-family homes than a year ago.
- Modest detached price growth. Bonita’s detached median is up 1.9% year to date, versus 3.3% countywide, so prices here have not run away from buyers.
- A conforming loan still covers the typical condo. With 20% down, the $590,000 attached median needs a $472,000 loan, well inside the $832,750 standard limit.
Where the Leverage Sits: Months of Supply
Under 4 months favors sellers; 4–6 months is broadly balanced. In Bonita the gap between the two segments is wider than countywide.
Frequently Asked Questions
Is Bonita a seller’s or buyer’s market in 2026?
It depends on the property type. In September 2026, Bonita (91902) detached homes had 1.8 months of supply, a seller’s market. Condos and townhomes had 4.6 months of supply, inside the 4 to 6 month range generally considered balanced, which gives buyers room to negotiate.
What is the median home price in Bonita, CA?
Year to date through September 2026, the median sale price in Bonita (91902) was $1,235,000 for detached homes, up 1.9%, and $590,000 for condos and townhomes, down 4.1%. September alone had just 3 detached and 6 attached sales, so year-to-date medians are the more reliable measure.
How fast are homes selling in Bonita?
Year to date through September 2026, detached homes in Bonita sold in an average of 27 days, faster than 33 days a year earlier and 36 days countywide. Condos and townhomes averaged 70 days.
How does Bonita compare with San Diego County?
Bonita detached homes cost more and sell faster than the county average: a $1,235,000 year-to-date median versus $1,100,000 countywide, and 1.8 months of supply versus 2.4. Bonita condos and townhomes cost less, at a $590,000 year-to-date median versus $665,000, with more supply (4.6 months versus 4.0).
Thinking About Your Next Move?
In a market as small as Bonita, three sales can move the monthly numbers more than the market itself. The best read on your home comes from the specific comparable sales on your street, and I am happy to pull them for you. No pressure, just a clear picture.
Request Your Home Value ReportData source: San Diego MLS via ShowingTime Plus, LLC; Local Market Update report for 91902 and the Monthly Indicators report for San Diego County, current as of October 5, 2026 (data through September 30, 2026). Percent changes are calculated using rounded figures and can look extreme when sample sizes are small. Mortgage rate averages are Freddie Mac’s Primary Mortgage Market Survey for the week of October 8, 2026, and reflect national averages for borrowers with 20% down and excellent credit; rates vary by lender, credit profile, down payment, and loan amount. Consult a licensed lender for a personalized quote. Loan limits are the 2026 FHFA limits for San Diego County, 1-unit. Payment illustrations are computed at exact rates for educational purposes only and exclude taxes, insurance, HOA dues, and mortgage insurance.
Information is deemed reliable but not guaranteed. This report is for general information only and is not financial, lending, investment, or tax advice. Market conditions vary by neighborhood and change without notice. This report is not intended to solicit properties already listed. Equal Housing Opportunity. Lardner Valenzuela, REALTOR®, DRE #01836213, Coldwell Banker West, 2300 Boswell Rd, Suite 100, Chula Vista, CA 91914. © 2026 Coldwell Banker Real Estate LLC. Coldwell Banker® and the Coldwell Banker logo are registered service marks owned by Coldwell Banker Real Estate LLC. Each office is independently owned and operated.