Lardner Valenzuela
Coldwell Banker West
Chula Vista Housing Market Report
ZIP codes 91910 · 91911 · 91913 · 91914 · 91915September 2026 · Data through September 30, 2026Market at a Glance
Here is what I am seeing across Chula Vista’s five ZIP codes: prices and pace held up better than the county, even as buyers pulled back. Combined, the detached median rose 3.8% to $1,000,800, and detached homes sold for 102.3% of original list price on average, above asking, in 26 days. Supply did not budge from a year ago: 2.0 months for detached homes and 3.1 for condos and townhomes, both tighter than the county. The pullback showed up in accepted offers, which fell 32.9% for detached homes and 20.0% for attached as the 30-year mortgage rate moved above 7%.
Detached Median
Attached Median
Pending Sales
Detached Supply
Combined figures for 91910, 91911, 91913, 91914 and 91915. Counts are summed; medians, % of list price and days on market are weighted by each ZIP’s closed sales; months of supply is total inventory divided by the combined monthly sales pace. A balanced market is generally 4–6 months of supply. Year to date, detached closings are up 7.9% (645 sales), while countywide detached closings are down 0.4%.
By Property Type
Chula Vista is a two-speed market, though both speeds run faster than the county’s. Detached homes are tight: 2.0 months of supply, 102.3% of list price, and 26 days on market. Condos and townhomes have more breathing room at 3.1 months, selling for 98.5% of list in 37 days, which is still well short of the 4-month mark where balance begins. New listings rose in both segments (detached +3.5%, attached +4.1%), so the slowdown is on the buyer side, not a shortage of homes to sell.
| Metric | Sep 2026 | YoY |
|---|---|---|
| Median Sale Price | $1,000,800 | +3.8% |
| Closed Sales | 58 | −33.3% |
| Pending Sales | 55 | −32.9% |
| New Listings | 89 | +3.5% |
| Homes for Sale | 135 | +1.5% |
| Months of Supply | 2.0 | 0.0% |
| Days on Market | 26 | −35.0% |
| % of Orig. List Price | 102.3% | +2.9% |
| Metric | Sep 2026 | YoY |
|---|---|---|
| Median Sale Price | $655,600 | +2.7% |
| Closed Sales | 44 | −17.0% |
| Pending Sales | 40 | −20.0% |
| New Listings | 77 | +4.1% |
| Homes for Sale | 150 | −0.7% |
| Months of Supply | 3.1 | 0.0% |
| Days on Market | 37 | −2.6% |
| % of Orig. List Price | 98.5% | −0.3% |
Year-to-Date Trends
Several ZIP-level September figures rest on fewer than 10 sales, so I chart year-to-date figures here. They are the steadier read on where each neighborhood is heading.
Detached Median Sale Price, YTD
January–September, 2025 vs. 2026, by ZIP
Attached Median Sale Price, YTD
January–September, 2025 vs. 2026, by ZIP
Closed Sales, YTD
Detached and attached combined, January–September. Four of the five ZIPs closed more homes this year than last; 91911 led with a 20% increase.
The Numbers
| Metric | Detached Sep | Detached YTD | Attached Sep | Attached YTD |
|---|---|---|---|---|
| New Listings | 89+3.5% | 919−0.5% | 77+4.1% | 7310.0% |
| Pending Sales | 55−32.9% | 654+1.6% | 40−20.0% | 454−1.3% |
| Closed Sales | 58−33.3% | 645+7.9% | 44−17.0% | 437+1.9% |
| Median Sale Price | $1,000,800+3.8% | $976,400+1.8% | $655,600+2.7% | $650,400+2.0% |
| % of Orig. List Received | 102.3%+2.9% | 100.0%+0.7% | 98.5%−0.3% | 99.2%−0.1% |
| Days on Market | 26−35.0% | 29−9.4% | 37−2.6% | 44+10.0% |
| Homes for Sale | 135+1.5% | — | 150−0.7% | — |
| Months of Supply | 2.00.0% | — | 3.10.0% | — |
Chula Vista combined (91910, 91911, 91913, 91914, 91915), September 2026 and year to date (January–September) with year-over-year change. Counts are summed across ZIPs; medians, %% of original list price and days on market are weighted by each ZIP’s closed sales (medians rounded to the nearest $100); months of supply is combined inventory divided by the sum of each ZIP’s implied monthly sales pace. Combined percent changes are calculated from the combined figures. A weighted median is an estimate, not a true median of all sales.
ZIP by ZIP
Each ZIP’s figures and percent changes are shown exactly as the MLS reports them.
| Metric | Detached | Attached |
|---|---|---|
| Median, Sep | $929,500−3.9% | $492,500−25.0% |
| Median, YTD | $915,750+2.1% | $638,450+14.4% |
| Closed, Sep | 13−40.9% | 80.0% |
| Pending, Sep | 20+66.7% | 7−41.7% |
| Months supply | 1.8−33.3% | 3.6+12.5% |
| Days on market | 24−52.0% | 39+34.5% |
| % of orig. list | 103.0%+4.4% | 95.4%−3.6% |
The only Chula Vista ZIP where detached accepted offers rose year over year: 20, up from 12. Detached new listings jumped to 31 from 21, and the homes that sold went for 103.0% of original list in 24 days, with supply tightening to 1.8 months. The September attached median of $492,500 rests on 8 sales; year to date it is up 14.4% at $638,450, the largest year-to-date attached gain of the five ZIPs.
Small sample: September medians, list-price ratios and days on market rest on 8 attached closed sales. Lean on the year-to-date row.
| Metric | Detached | Attached |
|---|---|---|
| Median, Sep | $845,000+3.0% | $635,000+20.0% |
| Median, YTD | $823,750−0.8% | $607,500+1.3% |
| Closed, Sep | 13−43.5% | 8+14.3% |
| Pending, Sep | 15−16.7% | 14+55.6% |
| Months supply | 1.3−35.0% | 3.8+26.7% |
| Days on market | 43+43.3% | 36−14.3% |
| % of orig. list | 102.2%+1.5% | 96.7%−1.2% |
The tightest detached market in Chula Vista at 1.3 months of supply, and the most affordable detached median of the five ZIPs at $845,000 (up 3.0%). Detached homes sold for 102.2% of list, and year-to-date detached closings are up 12.9%. Condos and townhomes are the fastest-growing segment in the area: new listings more than doubled to 23, accepted offers rose to 14 (the only ZIP where attached pendings rose), and year-to-date attached pendings are up 41.1%. Attached inventory also rose 56.0% to 39, so buyers have more to choose from.
Small sample: September medians, list-price ratios and days on market rest on 8 attached closed sales. Lean on the year-to-date row.
| Metric | Detached | Attached |
|---|---|---|
| Median, Sep | $1,100,000+20.0% | $731,900+12.8% |
| Median, YTD | $1,018,000+3.1% | $660,000+1.5% |
| Closed, Sep | 17−22.7% | 17−22.7% |
| Pending, Sep | 13−61.8% | 10−44.4% |
| Months supply | 2.2+57.1% | 2.6−16.1% |
| Days on market | 20−42.9% | 44+7.3% |
| % of orig. list | 103.8%+4.5% | 98.9%−0.1% |
Chula Vista’s largest market, with 17 detached and 17 attached sales in September, the most of the five ZIPs in each segment. Detached homes sold for 103.8% of original list, also the highest of the five, in 20 days, and the median reached $1,100,000 (up 20.0%); year to date, the detached median is up a steadier 3.1% at $1,018,000. The counterweight: detached inventory rose 63.0% to 44 while accepted offers fell to 13 from 34, so supply loosened to 2.2 months. Attached inventory went the other way, down 25.9%, with supply at 2.6 months.
| Metric | Detached | Attached |
|---|---|---|
| Median, Sep | $1,162,500−22.5% | $585,000−4.1% |
| Median, YTD | $1,302,500−2.4% | $660,100+1.5% |
| Closed, Sep | 7−12.5% | 1−50.0% |
| Pending, Sep | 5−28.6% | 00.0% |
| Months supply | 2.9+26.1% | 1.9−13.6% |
| Days on market | 18−66.7% | 12−84.4% |
| % of orig. list | 99.8%+3.1% | 100.9%+4.6% |
Chula Vista’s highest-priced ZIP, with a year-to-date detached median of $1,302,500 (down 2.4%). September’s $1,162,500 median rests on 7 sales and compares with a $1,500,000 median a year ago that rested on 8, so the 22.5% drop says more about which homes sold than about values. Homes that sold went in 18 days at 99.8% of list. New detached listings rose to 10 from 4 and supply eased to 2.9 months, the most room among the five ZIPs. The attached market is very small: 1 sale and 5 homes for sale.
Small sample: September medians, list-price ratios and days on market rest on 7 detached and 1 attached closed sales. Lean on the year-to-date row.
| Metric | Detached | Attached |
|---|---|---|
| Median, Sep | $1,017,500+5.7% | $679,950+1.5% |
| Median, YTD | $1,013,200+7.8% | $685,000−2.5% |
| Closed, Sep | 8−33.3% | 10−28.6% |
| Pending, Sep | 2−81.8% | 9−18.2% |
| Months supply | 2.2+22.2% | 2.8−12.5% |
| Days on market | 19−55.8% | 28−9.7% |
| % of orig. list | 100.2%+0.4% | 101.5%+2.3% |
The strongest year-to-date detached price gain in the area, up 7.8% to $1,013,200, with detached homes selling in 24 days on average year to date, the quickest of the five ZIPs. September’s detached figures rest on 8 sales. The soft spot is demand: 2 detached accepted offers in September, versus 11 a year ago. Condos and townhomes were strong, selling at 101.5% of original list across 10 sales, with inventory down 11.4% and supply at 2.8 months.
Small sample: September medians, list-price ratios and days on market rest on 8 detached closed sales. Lean on the year-to-date row.
| ZIP | Det. Median | Det. YTD Median | Det. Closed | Det. Supply | Att. Median | Att. YTD Median | Att. Closed | Att. Supply |
|---|---|---|---|---|---|---|---|---|
| 91910 Chula Vista North | $929,500−3.9% | $915,750+2.1% | 13−40.9% | 1.8−33.3% | $492,500−25.0% | $638,450+14.4% | 80.0% | 3.6+12.5% |
| 91911 Chula Vista South | $845,000+3.0% | $823,750−0.8% | 13−43.5% | 1.3−35.0% | $635,000+20.0% | $607,500+1.3% | 8+14.3% | 3.8+26.7% |
| 91913 Chula Vista – Eastlake | $1,100,000+20.0% | $1,018,000+3.1% | 17−22.7% | 2.2+57.1% | $731,900+12.8% | $660,000+1.5% | 17−22.7% | 2.6−16.1% |
| 91914 Chula Vista NE | $1,162,500−22.5% | $1,302,500−2.4% | 7−12.5% | 2.9+26.1% | $585,000−4.1% | $660,100+1.5% | 1−50.0% | 1.9−13.6% |
| 91915 Chula Vista SE | $1,017,500+5.7% | $1,013,200+7.8% | 8−33.3% | 2.2+22.2% | $679,950+1.5% | $685,000−2.5% | 10−28.6% | 2.8−12.5% |
| Chula Vista combined | $1,000,800+3.8% | $976,400+1.8% | 58−33.3% | 2.00.0% | $655,600+2.7% | $650,400+2.0% | 44−17.0% | 3.10.0% |
September 2026 with year-over-year change. ZIP rows as reported by the MLS; combined row calculated as described under The Numbers.
How Chula Vista Compares to San Diego County
Chula Vista is both more affordable and more competitive than the county as a whole. The combined detached median of $1,000,800 sits about $78,200 below the county’s $1,079,000, and the attached median of $655,600 is $14,400 below the county’s $670,000. Yet homes here sold closer to asking (102.3% of list for detached versus 97.7% countywide), faster (26 days versus 37), and against tighter supply in both segments (2.0 and 3.1 months versus 2.4 and 4.0). Year to date, Chula Vista has closed 7.9% more detached homes than last year while the county is down 0.4%. The one place Chula Vista trails: accepted offers fell harder here in September (−32.9% detached and −20.0% attached, versus −16.8% and −14.4% countywide).
| Metric | Chula Vista Detached | County Detached | Chula Vista Attached | County Attached |
|---|---|---|---|---|
| Median sale price, Sep | $1,000,800+3.8% | $1,079,000+5.8% | $655,600+2.7% | $670,000−0.2% |
| Median sale price, YTD | $976,400+1.8% | $1,100,000+3.3% | $650,400+2.0% | $665,000−0.7% |
| % of orig. list received, Sep | 102.3%+2.9% | 97.7%+0.7% | 98.5%−0.3% | 97.2%0.0% |
| Days on market, Sep | 26−35.0% | 37−9.8% | 37−2.6% | 44+4.8% |
| Months of supply | 2.00.0% | 2.4−14.3% | 3.10.0% | 4.0+5.3% |
| Pending sales, Sep | 55−32.9% | 1,082−16.8% | 40−20.0% | 618−14.4% |
| Closed sales, YTD | 645+7.9% | 11,074−0.4% | 437+1.9% | 6,244+2.2% |
County figures from the San Diego MLS Monthly Indicators report for September 2026, current as of October 5, 2026.
Mortgage Rate Snapshot
Rates are the headwind behind September’s drop in accepted offers. The Federal Reserve raised its benchmark rate on September 16, and the 30-year fixed moved above 7% in late September. As of October 8 it averages 7.40%, 1.10 points above a year ago.
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. At the Chula Vista detached median of $1,000,800 with 20% down, a $800,640 loan (conforming) runs about $5,543 per month in principal and interest at 7.40%; at last year’s 6.30%, the same loan would have run $4,956, about $587 less. That loan sits within the $832,750 standard conforming limit, which is not true at the county’s $1,079,000 detached median, where 20% down produces a high-balance loan. At the Chula Vista attached median of $655,600, a $524,480 conforming loan runs about $3,631, versus $3,246 at last year’s rate. Put another way, the $5,543 payment on a median detached home today would have carried a loan of roughly $896,000 a year ago. Medians are combined Chula Vista estimates as described above.
Good News on Both Sides of the Table
For Sellers
Where the leverage is
- Detached homes are selling above asking. Across Chula Vista, detached homes sold for 102.3% of original list price in 26 days, versus 99.4% and 40 days a year ago.
- Supply is tighter than the county in both segments. Detached supply is 2.0 months and attached 3.1, versus 2.4 and 4.0 countywide. In 91911, detached supply is just 1.3 months.
- Prices rose in both segments. The combined detached median rose 3.8% to $1,000,800 and the attached median rose 2.7% to $655,600; year to date they are up 1.8% and 2.0%.
- The year is ahead of last year. Year-to-date detached closings are up 7.9% to 645, and attached closings are up 1.9% to 437.
- Condo sellers still have leverage. Eastlake (91913) attached inventory fell 25.9% to a 2.6-month supply, and 91915 condos sold for 101.5% of original list.
For Buyers
Where the openings are
- Fewer buyers are bidding. Accepted offers fell 32.9% for detached homes and 20.0% for condos and townhomes. A well-prepared buyer faces noticeably less competition than a year ago.
- More homes to choose from. New listings rose 3.5% for detached and 4.1% for attached. In Eastlake, detached inventory rose 63.0% to 44 homes, and in 91911, attached inventory rose 56.0% to 39.
- Chula Vista costs less than the county. The detached median is about $78,200 below the county’s, and the attached median is $14,400 below.
- A median detached home still fits a conforming loan. With 20% down, the $1,000,800 detached median needs a $800,640 loan, inside the $832,750 standard limit.
- Room to negotiate in specific pockets. Detached supply in 91914 eased to 2.9 months, and 91910 condos sold for 95.4% of original list in September (8 sales), so not every listing commands full price.
Where the Leverage Sits: Months of Supply
Under 4 months favors sellers; 4–6 months is broadly balanced. Chula Vista is tighter than the county in both segments.
Frequently Asked Questions
Is Chula Vista a seller’s market in September 2026?
Yes, in both segments. Combined across ZIP codes 91910, 91911, 91913, 91914 and 91915, detached homes had 2.0 months of supply and condos and townhomes had 3.1 months. Both are below the 4 months generally considered the start of a balanced market, and both are tighter than San Diego County (2.4 and 4.0 months).
What is the median home price in Chula Vista?
In September 2026 the combined Chula Vista detached median was an estimated $1,000,800 (up 3.8% year over year) and the attached median was an estimated $655,600 (up 2.7%). Year to date, the detached median is $976,400 and the attached median is $650,400. These are estimates weighted by each ZIP’s closed sales.
Which Chula Vista ZIP code has the tightest housing supply?
For detached homes, 91911 (Chula Vista South) had the tightest supply in September 2026 at 1.3 months. For condos and townhomes, 91914 (Chula Vista NE) had the lowest at 1.9 months, though it had only 5 attached homes for sale; among larger attached markets, 91913 (Eastlake) was tightest at 2.6 months.
How does Chula Vista compare with San Diego County?
Chula Vista is less expensive and more competitive. In September 2026 its combined detached median of $1,000,800 was about $78,200 below the county’s $1,079,000, while detached homes sold for 102.3% of original list in 26 days, versus 97.7% and 37 days countywide.
Thinking About Your Next Move?
Five ZIP codes, five different stories. What a home in Eastlake is worth this fall has little to do with a home in 91911, and both differ from the county averages. I will give you a clear, no-pressure read on your specific property and your specific block.
Request Your Home Value ReportData source: San Diego MLS via ShowingTime Plus, LLC; Local Market Update reports for 91910, 91911, 91913, 91914 and 91915 and the Monthly Indicators report for San Diego County, current as of October 5, 2026 (data through September 30, 2026). Combined Chula Vista figures are calculated by Lardner Valenzuela from the ZIP-level reports as described above and are not published by the MLS. 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.