John Stenberg
Coldwell Banker West
Bonita Housing Market Report · 91902
July 2026 · Data through July 31, 2026Market at a Glance
July was a strong month for Bonita sellers and a more workable one for buyers than any month this year. Detached prices moved up nearly 6% from last July, homes sold in two weeks instead of six, and sellers collected 99 cents on every dollar of their original asking price. At the same time, the number of homes available rose 25% year over year — the first real widening of choice buyers have seen in 91902 in some time.
By Property Type
Each table shows the July snapshot, the year-over-year change, and the year-to-date figure. Where the two disagree, weight the YTD column — especially in the attached segment.
| Metric | July 2026 | YoY | YTD 2026 |
|---|---|---|---|
| Median Sale Price | $1,203,000 | +5.8% | $1,230,000 |
| % of Orig. List Price | 99.0% | +2.4% | 99.6% |
| Days on Market | 14 | −68.2% | 25 |
| Closed Sales | 10 | 0.0% | 63 |
| Pending Sales | 6 | −14.3% | 61 |
| New Listings | 6 | −33.3% | 84 |
| Homes for Sale | 15 | +25.0% | — |
| Months of Supply | 1.8 | +38.5% | — |
| Metric | July 2026 | YoY | YTD 2026 |
|---|---|---|---|
| Median Sale Price | $609,500 | −7.7% | $510,000 |
| % of Orig. List Price | 93.8% | −4.4% | 97.3% |
| Days on Market | 27 | +350.0% | 56 |
| Closed Sales | 1 | −66.7% | 15 |
| Pending Sales | 4 | +300.0% | 16 |
| New Listings | 2 | 0.0% | 22 |
| Homes for Sale | 10 | −23.1% | — |
| Months of Supply | 3.1 | −44.6% | — |
Reading the attached column: the −66.7% drop in July closings is one sale versus three, and the +350% jump in days on market is that single listing. The signal worth watching is underneath: year-to-date attached closings are up 15.4% (15 vs. 13) and pending sales are up 33.3% (16 vs. 12) on a third fewer new listings. Demand for Bonita condos is building while supply thins — which is why months of supply fell from 5.6 to 3.1.
Trends & Charts
Detached Median Sale Price
July and year-to-date, 2025 vs. 2026
Attached Median Sale Price
Condo/townhome — July 2026 reflects a single closed sale
Detached Sales Activity — Year-to-Date
New listings, pending, and closed sales through July
Days on Market
July vs. year-to-date pace, by property type
What’s Actually Happening in 91902
Inventory grew and the market got faster anyway. That combination is unusual and it is the story of the month. Homes for sale rose from 12 to 15 and months of supply climbed from 1.3 to 1.8 — yet the typical detached home went from 44 days on market last July to 14 days this July, and sellers improved from 96.7% to 99.0% of their original asking price. New inventory is being absorbed almost as fast as it arrives.
The year-to-date picture is flatter than the month. July’s +5.8% median gain sits on ten closings. Across the first seven months of the year the detached median is $1,230,000 — essentially unchanged from $1,240,000 a year ago (−0.8%). Bonita prices are holding a high plateau rather than climbing steeply, which is a healthier and more sustainable base than the run-ups of 2021–2022.
Fewer homes are changing hands. Year-to-date new listings are down 12.5%, pendings down 4.7%, and closings down 6.0%. Bonita’s constraint is not demand — it is that few owners are choosing to move. For a seller, that scarcity is the whole advantage.
The two segments are moving in opposite directions. Detached is tightening and appreciating; attached is softer on price (YTD median $510,000, down 8.9%) but tightening on supply, with months of supply nearly cut in half. Condos and townhomes are where a buyer still has room to negotiate in this ZIP code.
Mortgage Rate Snapshot
Financing is the swing factor on affordability, and rates ticked up slightly through July and into August. As of August 6, 2026, the 30-year fixed averaged 6.69% — up from 6.66% the week prior and marginally above the 6.63% of a year ago. Rates are not the tailwind they were last summer, but they remain range-bound rather than spiking.
Payment illustration: $1,203,000 purchase, 20% down ($962,400 loan), 30-year fixed at 6.69% — principal and interest of approximately $6,200 per month, excluding taxes, insurance, and any HOA. On the attached side, the $510,000 year-to-date median with 20% down runs roughly $2,630 per month in principal and interest. Ask about rate buy-downs and lender credits, which can meaningfully lower the effective rate.
Good News on Both Sides of the Table
★ For Sellers
- Prices moved up. July’s detached median reached $1,203,000, up 5.8% from last July.
- You are keeping your asking price. Detached homes closed at 99.0% of original list in July and 99.6% year-to-date — up 1.6 points on the year.
- Homes are selling in two weeks. Days on market fell from 44 to 14, and the year-to-date pace improved from 32 days to 25.
- Supply is still exceptionally tight. At 1.8 months, Bonita detached inventory sits well below the roughly 3 months countywide — and far below the 4–6 months that defines a balanced market.
- Competition is thin. Year-to-date new listings are down 12.5%, so a well-prepared home faces fewer rivals than it did a year ago.
- Condo demand is building. Attached pendings are up 33.3% year-to-date and months of supply fell from 5.6 to 3.1.
★ For Buyers
- There is finally more to look at. Homes for sale rose 25% (15 vs. 12) and months of supply increased from 1.3 to 1.8 — more choice than at any point this year.
- Prices are not running away. The year-to-date detached median is down 0.8% from 2025. You are buying into a plateau, not a spike.
- Most purchases avoid true jumbo pricing. At the median with 20% down, the loan lands about $142,000 below San Diego County’s $1,104,000 high-balance limit.
- Condos and townhomes are the negotiating lane. The year-to-date attached median is $510,000, down 8.9%, and July’s sale closed at 93.8% of original list.
- Attached buyers have time to think. Condos are averaging 56 days on market year-to-date — room for inspections and a considered decision.
- A 15-year option is under 6.1%. For buyers who can carry the payment, the shorter term prices roughly 0.7 points below the 30-year.
Where the Leverage Sits: Months of Supply
Below 4 months favors sellers; 4–6 months is balanced. Bonita detached is among the tightest segments in the county; the attached segment gives buyers the most room.
What Does This Mean for Your Home?
A ZIP-code median is a starting point, not an answer. Your street, your lot, your condition, and your timing all move the number. Use the home value tool on this page for an instant estimate, or reach out and I’ll walk you through what your specific home would do in today’s Bonita market — no pressure, no obligation.
Request Your Home Value ReportData source: San Diego MLS via ShowingTime Plus, LLC — Local Market Update for ZIP 91902 (Bonita), current as of August 5, 2026 (data through July 31, 2026), a research tool provided by the Greater San Diego Association of REALTORS®. Figures do not account for sale concessions or down-payment assistance; percent changes are calculated using rounded figures and can appear extreme in a small-sample market. Countywide months-of-supply comparison (approximately 3.0) reflects the most recently published San Diego County figure and is shown for context only. Mortgage rates: Freddie Mac Primary Mortgage Market Survey, August 6, 2026; jumbo range reflects published national averages in early August 2026. Loan limits: Federal Housing Finance Agency 2026 conforming limits for San Diego County. Payment illustrations are estimates of principal and interest only and are not a loan offer or a quote.
Information is deemed reliable but not guaranteed. This report is not intended to solicit properties already listed. Equal Housing Opportunity. © 2026 John Stenberg, Coldwell Banker West. Each office is independently owned and operated.