Nearby Markets

Cost of Owning: Coronado and Its Neighbors Compared

The estimated monthly cost of a typical home in Coronado, Point Loma, La Jolla and Imperial Beach at today’s mortgage rate, with what the estimate leaves out.

Updated September 2026 · Rudy Flores · Coldwell Banker West

A price tells you what you pay once; the monthly cost tells you what you live with. This page turns the typical home value in Coronado and three neighboring markets into an estimated monthly payment at today’s mortgage rate, then lists what the estimate leaves out so you can fill it in.

What it costs each month

Price is one number; the monthly cost is another. Here is the arithmetic for each ZIP code.

The monthly cost, side by side

Zillow’s typical home value for each ZIP code (Aug 2026), 20% down, a 30-year fixed loan at 7.03% (Freddie Mac survey, Sep 24, 2026) and property tax at an assumed 1.15% of value (1% base plus 0.15% for voter-approved charges).

Estimated monthly cost of owning a typical home
ZIP code	Typical value	Down payment	Principal and interest	Property tax (est.)	Total (est.)
Coronado (92118)	$2,563,759	$512,752	$13,687	$2,457	$16,144
Point Loma (92106)	$1,806,460	$361,292	$9,644	$1,731	$11,375
La Jolla (92037)	$2,336,101	$467,220	$12,471	$2,239	$14,710
Imperial Beach (91932)	$835,561	$167,112	$4,461	$801	$5,261

The gap between the highest and lowest is about $10,882 a month: Coronado at roughly $16,144 and Imperial Beach at roughly $5,261, principal, interest and property tax only.

Rates vary by lender and borrower; insurance, HOA dues, special taxes and maintenance are not included. The payment calculator lets you try your own numbers.

Side by side

How each market has moved

Home values indexed to January 2018.

ZIP by ZIP

Zillow data, Aug 2026. Rent is the Zillow Observed Rent Index. Temperature is Zillow’s 0 to 100 market temperature (higher is hotter).

Comparing ZIP codes
ZIP code	Typical value	Vs a year ago	Vs five years ago	Price cuts	Homes for sale	Temperature	Typical rent
92118 Coronado	$2,563,759	+6.7%	+32.0%	26%	134	41	$5,550
92106 Point Loma	$1,806,460	+4.1%	+29.7%	22%	66	52	$2,833
92037 La Jolla	$2,336,101	+5.7%	+37.3%	21%	202	65	$3,992
91932 Imperial Beach	$835,561	+2.7%	+13.3%	37%	107	44	$2,778

ZIP 92118 has the highest typical value here ($2,563,759) and ZIP 91932 the lowest ($835,561). Over the last twelve months ZIP 92118 moved the most (+6.7%) and ZIP 91932 the least (+2.7%).

ZIP 92118ZIP 92106ZIP 92037ZIP 91932

What the estimate leaves out

The table is a starting point. Real monthly costs depend on a few things it does not include:

Insurance. Homeowners premiums vary by address, age of the home and coverage, and earthquake or flood cover is separate.
Association dues and special taxes. Condominium buildings and planned communities charge dues, and some properties carry special taxes on top of the base rate.
The type of home. A typical value blends houses and condominiums; a specific home may cost far more or less.
Your loan. Rates depend on credit, down payment and loan type. A lender can give you a real quote, and the property tax guide explains how the tax estimate works.

The four places

Point Loma (ZIP 92106) is a peninsula community of the City of San Diego, across San Diego Bay from Coronado. La Jolla (ZIP 92037) is a coastal community of the City of San Diego, north of downtown. Imperial Beach (ZIP 91932) is a separate city south of Coronado, along the Silver Strand. A ZIP code is a mail-delivery area, so each contains more than one kind of street, and a home’s own address matters more than any average.

Common questions

Why is property tax the same percentage in each?

California bases the tax on the purchase price at about 1%, plus local charges that vary. The 1.15% used here is a round assumption; a real bill depends on the address.

Does the estimate include HOA dues?

No. Add dues if the home has an association.

Can Rudy run this for a specific home?

Yes. Send the address and Rudy will build a personal estimate with the price, the tax and current rates.

Keep exploring

Moving to Coronado — The island in a few pages.
Mortgage payment calculator — Try your own numbers.
California property tax for newcomers — What to expect on the bill.

Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Rodrigo Ballon with CrossCountry Mortgage, at 858-735-0255. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.

Sources

General information for orientation, not legal, tax, financial or appraisal advice. Details change; confirm anything that matters with the official source, your lender and your agent.