Real Estate Investing in Bonita, California (91902)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

San Diego County • Population: 17,445 • Data updated: September 2026

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Should you buy in 91902 (Bonita, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 30.6 — hard to cash-flow at these prices.

What’s happening in Bonita, CA (91902)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $1,156,069
Avg Monthly Rent $3,150
1% Rule ✗ Does Not Meet
Median Income $123,516
% Renters 19.6%

Market Analysis: 91902 Bonita

Not every below-median market is a bargain. Bonita's 91902 ZIP sits at signals that favor experienced operators who can absorb the risk $1.2M pricing implies.

The investment case in 91902 is substantial only for operators who understand what they are buying. A $1.2M median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Statewide comparisons place 91902 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Resident income in 91902 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 91902 is an operator game, not a passive one. On the rental side, entry prices of $1.2M are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Bonita:

C Below Average
Buy Confidence Score: 56/100
Affordability
0/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 9.4× the median income
Value Trend
Rising (+5.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,150/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
San Diego-Chula Vista-Carlsbad, CA Metro Area
Even conditions for buyers and sellers
45 days
Average time to sell
Average
9.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from San Diego-Chula Vista-Carlsbad, CA metro data
🏠

Property Strategy for 91902

Which property type performs best in this market?

Best for Cash Flow
1BR
5.0% cap rate
Best for Appreciation
3BR
+8.9% 5yr CAGR
Best Overall Value
5BR
$263,665/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $370,314 $2,570 5.0% +6.2% $370,314
2BR $569,390 $3,140 4.0% +6.1% $284,695
3BR $978,879 $4,180 3.1% +8.9% $326,293
4BR $1,126,724 $5,070 3.2% +8.5% $281,681
5BR $1,318,324 +8.7% $263,665

Market Trends

Home Value History (with trend line)

$1.2M$1.0M$857K$676K$495K$314KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,328$3,192$3,056$2,920$2,784$2,648Sep 2025Feb 2026Jun 2026

📊 How Does 91902 Compare?

Metric 91902 Bonita San Diego-Chula Vista-Carlsbad, CA California
Home Value $1,156,069 $1,156,069 N/A $761,003
5-Year CAGR 6.3% 6.3% N/A 5.7%
Avg Rent $3,150 $3,150 N/A -
Cap Rate 2.1% 2.1% - -
💡 Why Invest in 91902? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 91902 (Bonita, CA). Anonymous, moderated, never written by AI.

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Property managers serving San Diego County

Manage rentals here? List your business →

33 Property Management offers residential and multi-family property management services in North County San Diego and Riverside, CA. summary from their website

Unclaimed — is this your business? Claim it free

This domain is for sale. summary from their website

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Advent provides quality property management services throughout Southern California, focusing on customer service and using modern property management tools. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.1%
Low
5yr Growth
+6.3%
Strong

📊 Market Snapshot

Home Value $1,156,069
Monthly Rent $3,150
Price-to-Rent 30.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.1%
5-Year IRR 8.4%

📈 Home Appreciation

1-Year +5.7% ▲
3-Year CAGR +5.2% ▲
5-Year CAGR +6.3% ▲
10-Year CAGR +7.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.2%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.3%
Growing
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 91902

Population: 17,445

💰 Median Household Income
$123,516
This area
$123,516
State
$94,164
USA
$74,580
🏠 Renter Occupied
19.6%
This area
19.6%
State
39.3%
USA
34.0%
💼 Unemployment Rate
4.7%
This area
4.7%
State
-16.6%
USA
3.7%
🎓 College Educated
42.7%
This area
42.7%
State
7.7%
USA
33.7%
👤 Median Age
46.5 years
This area
46.5 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
4.2%
This area
4.2%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 55.1%
Other/Mixed 28.5%
Hispanic/Latino 24.0%
Asian 14.4%
Black/African American 2.0%
👶 Under 18
16.7%
This area
16.7%
USA
22.0%
👴 65 and Over
24.5%
This area
24.5%
USA
17.3%
📊 Poverty Rate
4.4%
This area
4.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 91902

A Avg School Grade
3 Schools
21.0:1 Avg Class Size
$22,581 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Allen (Ella B.) Elementary

📚 K – 06 School
👥
405 Students
👨‍🏫
20.3:1 Class Size
💰
$22,581 Per Student
A Very Good

Sunnyside Elementary

📚 K – 06 School
👥
443 Students
👨‍🏫
21.1:1 Class Size
💰
$22,581 Per Student
A Very Good

Valley Vista Elementary

📚 K – 06 School
👥
543 Students
👨‍🏫
21.8:1 Class Size
💰
$22,581 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

Bell Middle

📚 06 – 08 Middle
📍 620 Briarwood Rd., San Diego
👥
713 Students
👨‍🏫
20.3:1 Class Size
💰
$26,901 Per Student
A Very Good

Liberty Elementary

📚 K – 06 School
📍 2175 Proctor Valley Rd., Chula Vista
👥
574 Students
👨‍🏫
21.3:1 Class Size
💰
$22,581 Per Student
A Very Good

Marshall (Thurgood) Elementary

📚 K – 06 School
📍 2295 MacKenzie Creek Rd., Chula Vista
👥
470 Students
👨‍🏫
21.4:1 Class Size
💰
$22,581 Per Student
A Very Good

Perry Elementary

📚 K – 05 Elementary
📍 6290 Oriskany Rd., San Diego
👥
363 Students
👨‍🏫
21.4:1 Class Size
💰
$26,901 Per Student
B+ Above Average

Learning Choice Academy - Chula Vista

📚 K – 12 K-12 Charter
📍 881 Kuhn Dr., Chula Vista
👥
415 Students
👨‍🏫
16.7:1 Class Size
💰
$14,056 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 8,552 Off-Campus Students
C
Southwestern College
18,469 students · 2.4 mi
D
The Nurse Academy
34 students · 4.6 mi
C
Riggins Urban Barber College
43 students · 5.2 mi
C
UEI College-Chula Vista
1,344 students · 5.8 mi
C
California Institute of Arts & Technology-National City
1,410 students · 6.0 mi
C
Cuyamaca College
8,437 students · 6.0 mi
D
Concorde Career College-San Diego
178 students · 6.0 mi
C
Bellus Academy-Chula Vista
379 students · 6.2 mi

Investor Insight: With 8,552 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much is rent in Bonita, CA?

Bonita, CA rentals go for roughly $3,150/mo a month. That puts gross yield in solid territory relative to $1.2M acquisition costs.

How deep is the rental pool in Bonita, CA?

The tenant pool in Bonita, CA is solid, supported by local employment and population fundamentals. Rents of $3,150/mo are well-absorbed by the market.

Is housing expensive in Bonita, CA?

Bonita, CA home values average about $1.2M. That price point suits investors targeting rentals with $3,150/mo in monthly income.

Can I live-in-and-rent in Bonita, CA?

House hacking in Bonita, CA is a tougher. With home values around $1.2M and rents at $3,150/mo, owner-occupants can offset a meaningful share of PITI.

Is Bonita, CA good for landlords?

For rental operators, Bonita, CA rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

You know 91902 now. You don’t know where it ranks.

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How 91902 ranks in San Diego-Chula Vista-Carlsbad, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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