Price is one number; the monthly cost, the pace of the market and the type of home are three more. This page turns public data for EastLake, Otay Ranch and the areas around them into an estimated monthly payment at today’s rate, a read on how competitive each market is, and the typical house, condominium and rent in each.
Nearby Markets
EastLake and Its Neighbors: Monthly Cost, Pace and Home Types
The estimated monthly cost of a typical home in EastLake, Otay Ranch and 19 neighboring ZIP codes in four groups at today’s mortgage rate, how quickly homes sell there, and what a house, a condominium and a rental cost.
Cost of owning
Payment and tax compared
Price is one number; the monthly cost is another. Here is the arithmetic for each ZIP code.
Payment and tax on a typical home
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). Within each group, highest value first.
The main comparison: EastLake, Otay Ranch, Chula Vista and Bonita
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| EastLake 91914 | $1,170,338 | $234,068 | $6,248 | $1,122 | $7,369 |
| Bonita (91902) | $1,143,860 | $228,772 | $6,107 | $1,096 | $7,203 |
| EastLake 91913 | $901,942 | $180,388 | $4,815 | $864 | $5,679 |
| Otay Ranch 91915 | $848,035 | $169,607 | $4,527 | $813 | $5,340 |
| Chula Vista 91910 | $845,063 | $169,013 | $4,511 | $810 | $5,321 |
| Chula Vista 91911 | $780,358 | $156,072 | $4,166 | $748 | $4,914 |
Also adjacent: Spring Valley, Jamul, Otay Mesa and San Ysidro
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| Jamul (91935) | $1,015,218 | $203,044 | $5,420 | $973 | $6,393 |
| Spring Valley 91978 | $833,403 | $166,681 | $4,449 | $799 | $5,248 |
| Spring Valley 91977 | $764,136 | $152,827 | $4,079 | $732 | $4,812 |
| Otay Mesa 92154 | $750,299 | $150,060 | $4,006 | $719 | $4,725 |
| San Ysidro (92173) | $685,876 | $137,175 | $3,662 | $657 | $4,319 |
The next ring out, south, west and north: Imperial Beach, National City, Lemon Grove, Paradise Hills and Encanto
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| Imperial Beach (91932) | $835,561 | $167,112 | $4,461 | $801 | $5,261 |
| Lemon Grove (91945) | $757,239 | $151,448 | $4,043 | $726 | $4,768 |
| Encanto and Skyline (92114) | $745,791 | $149,158 | $3,981 | $715 | $4,696 |
| Paradise Hills (92139) | $740,122 | $148,024 | $3,951 | $709 | $4,660 |
| National City (91950) | $697,141 | $139,428 | $3,722 | $668 | $4,390 |
The next ring out, east: La Mesa, El Cajon and Alpine
| ZIP code | Typical value | Down payment | Principal and interest | Property tax (est.) | Total (est.) |
|---|---|---|---|---|---|
| La Mesa 91941 | $1,021,327 | $204,265 | $5,452 | $979 | $6,431 |
| Alpine (91901) | $961,320 | $192,264 | $5,132 | $921 | $6,053 |
| El Cajon 92019 | $877,900 | $175,580 | $4,687 | $841 | $5,528 |
| El Cajon 92020 | $829,816 | $165,963 | $4,430 | $795 | $5,225 |
| La Mesa 91942 | $810,069 | $162,014 | $4,325 | $776 | $5,101 |
| El Cajon 92021 | $776,540 | $155,308 | $4,146 | $744 | $4,890 |
EastLake 91914 is the most expensive of these markets to own at these assumptions, at about $7,369 a month, and San Ysidro the least, at about $4,319. Insurance and dues are extra. EastLake’s ZIP codes sit at about $7,369 (91914), $5,679 (91913) and $5,340 (91915) a month.
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.
The pace
Speed and competition
Homes for sale, price cuts and how quickly homes go under contract.
Activity by ZIP code
Zillow Research, latest month (Aug 2026). Warmest first. Market temperature compares each ZIP code with its own history; the average is over all months on record since 2018.
The main comparison: EastLake, Otay Ranch, Chula Vista and Bonita
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| Chula Vista 91911 | 86 | 21% | n/a | 71 | 76 |
| EastLake 91913 | 126 | 30% | 33 days | 62 | 76 |
| EastLake 91914 | 35 | 24% | n/a | 60 | 75 |
| Chula Vista 91910 | 90 | 25% | 36 days | 58 | 75 |
| Otay Ranch 91915 | 73 | 28% | n/a | 56 | 79 |
| Bonita (91902) | 39 | 33% | n/a | 49 | 64 |
Also adjacent: Spring Valley, Jamul, Otay Mesa and San Ysidro
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| Otay Mesa 92154 | 120 | 23% | 31 days | 64 | 83 |
| Jamul (91935) | 28 | 26% | n/a | 59 | 66 |
| San Ysidro (92173) | 21 | 35% | n/a | 57 | 71 |
| Spring Valley 91977 | 100 | 28% | 32 days | 55 | 75 |
| Spring Valley 91978 | 12 | n/a | n/a | 55 | 75 |
The next ring out, south, west and north: Imperial Beach, National City, Lemon Grove, Paradise Hills and Encanto
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| Encanto and Skyline (92114) | 72 | 23% | 32 days | 94 | 91 |
| Paradise Hills (92139) | 53 | 18% | n/a | 59 | 83 |
| National City (91950) | 43 | 23% | n/a | 56 | 76 |
| Lemon Grove (91945) | 36 | 27% | n/a | 54 | 72 |
| Imperial Beach (91932) | 107 | 37% | n/a | 44 | 59 |
The next ring out, east: La Mesa, El Cajon and Alpine
| ZIP code | Homes for sale | Listings with a price cut | Days to pending | Market temperature | Its average |
|---|---|---|---|---|---|
| El Cajon 92021 | 109 | 30% | 26 days | 62 | 71 |
| La Mesa 91941 | 89 | 31% | 28 days | 59 | 66 |
| El Cajon 92020 | 124 | 31% | n/a | 57 | 64 |
| La Mesa 91942 | 92 | 31% | 44 days | 56 | 67 |
| El Cajon 92019 | 106 | 29% | 27 days | 56 | 66 |
| Alpine (91901) | 75 | 25% | n/a | 51 | 65 |
Market temperature this month, warmest first: Encanto and Skyline 94, Chula Vista 91911 71, Otay Mesa 92154 64, EastLake 91913 62, El Cajon 92021 62 and so on down to Imperial Beach at 44. EastLake’s ZIP codes read 62 in 91913 (number 4 of 22), 60 in 91914 (number 6 of 22) and 56 in 91915 (number 13 of 22). Higher means faster sales and fewer price cuts relative to that ZIP code’s own history.
Market temperature: The main comparison: EastLake, Otay Ranch, Chula Vista and Bonita
Zillow market temperature, last 24 months.
EastLake 91913EastLake 91914Otay Ranch 91915Chula Vista 91910Chula Vista 91911Bonita
Market temperature: Also adjacent: Spring Valley, Jamul, Otay Mesa and San Ysidro (with EastLake 91913 for reference)
Zillow market temperature, last 24 months.
EastLake 91913Spring Valley 91977Spring Valley 91978JamulOtay Mesa 92154San Ysidro
Market temperature: The next ring out, south, west and north (with EastLake 91913 for reference)
Zillow market temperature, last 24 months.
EastLake 91913Imperial BeachNational CityLemon GroveParadise HillsEncanto and Skyline
Market temperature: The next ring out, east: La Mesa and Alpine (with EastLake 91913 for reference)
Zillow market temperature, last 24 months.
EastLake 91913La Mesa 91941La Mesa 91942Alpine
Market temperature: The next ring out, east: El Cajon (with EastLake 91913 for reference)
Zillow market temperature, last 24 months.
EastLake 91913El Cajon 92019El Cajon 92020El Cajon 92021
Home types
The two kinds of home
Typical values by home type, and typical rent, for each ZIP code.
Home types and rents by ZIP code
Zillow’s typical values for single-family homes and for condominiums, and the Zillow Observed Rent Index for all homes and apartments (Aug 2026). Highest typical value first. Rent as a share of value is a rough yearly figure, not a return on investment.
The main comparison: EastLake, Otay Ranch, Chula Vista and Bonita
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| EastLake 91914 | $1,233,767 | $652,406 | 89.1% | $3,992 | 4.1% |
| Bonita (91902) | $1,169,962 | $510,489 | 129.2% | $3,321 | 3.5% |
| EastLake 91913 | $965,640 | $613,698 | 57.3% | $3,168 | 4.2% |
| Otay Ranch 91915 | $943,532 | $681,971 | 38.4% | $3,318 | 4.7% |
| Chula Vista 91910 | $880,053 | $550,276 | 59.9% | $2,570 | 3.6% |
| Chula Vista 91911 | $805,179 | $516,506 | 55.9% | $2,706 | 4.2% |
Also adjacent: Spring Valley, Jamul, Otay Mesa and San Ysidro
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| Jamul (91935) | $1,014,874 | n/a | n/a | $3,800 | 4.5% |
| Spring Valley 91978 | $863,591 | $497,345 | 73.6% | $2,602 | 3.7% |
| Spring Valley 91977 | $779,539 | $538,388 | 44.8% | $2,476 | 3.9% |
| Otay Mesa 92154 | $775,366 | $558,931 | 38.7% | $2,978 | 4.8% |
| San Ysidro (92173) | $737,483 | $408,460 | 80.6% | $2,492 | 4.4% |
The next ring out, south, west and north: Imperial Beach, National City, Lemon Grove, Paradise Hills and Encanto
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| Imperial Beach (91932) | $860,577 | $671,004 | 28.3% | $2,778 | 4.0% |
| Lemon Grove (91945) | $762,642 | $466,876 | 63.4% | $2,661 | 4.2% |
| Encanto and Skyline (92114) | $746,824 | $555,529 | 34.4% | $2,819 | 4.5% |
| Paradise Hills (92139) | $762,833 | $525,618 | 45.1% | $3,526 | 5.7% |
| National City (91950) | $713,070 | $475,459 | 50.0% | $2,498 | 4.3% |
The next ring out, east: La Mesa, El Cajon and Alpine
| ZIP code | Typical house | Typical condominium | House premium over condominium | Typical rent (a month) | A year of rent as a share of the typical value |
|---|---|---|---|---|---|
| La Mesa 91941 | $1,043,529 | $488,546 | 113.6% | $2,603 | 3.1% |
| Alpine (91901) | $976,908 | $427,329 | 128.6% | $2,329 | 2.9% |
| El Cajon 92019 | $954,320 | $503,970 | 89.4% | $2,744 | 3.8% |
| El Cajon 92020 | $887,211 | $418,111 | 112.2% | $2,162 | 3.1% |
| La Mesa 91942 | $866,032 | $516,311 | 67.7% | $2,642 | 3.9% |
| El Cajon 92021 | $805,144 | $447,139 | 80.1% | $2,149 | 3.3% |
Houses and condominiums sit far apart in some ZIP codes and close together in others. The widest gap is in Bonita (2.3 times) and the narrowest in Imperial Beach (1.3 times). In EastLake the ratios are 1.9 (91914), 1.6 (91913) and 1.4 (91915).
What the estimates leave out
The tables are a starting point. Real monthly costs depend on a few things they do not include:
- Association dues and special taxes. Newer master-planned communities often have associations and sometimes a Mello-Roos or similar special tax on the property tax bill. Ask for the annual amount and the end date.
- Insurance. Premiums vary by address, age of the home and coverage, and earthquake or flood cover is separate.
- 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.
Where the areas sit
The main comparison. EastLake (ZIPs 91913 and 91914) and Otay Ranch (ZIPs 91915 and 91913) are master-planned communities in eastern Chula Vista, east of Interstate 805. Chula Vista 91910 covers north and central Chula Vista, including the Rancho Del Rey area, and Chula Vista 91911 covers the south-central part of the city, including the Otay area. Bonita (91902) is an unincorporated community next to the city.
Also adjacent. Spring Valley (91977 and 91978) is a pair of unincorporated ZIP codes farther inland, with 91978 also covering the Rancho San Diego area; Jamul (91935) is a rural, unincorporated community east of Chula Vista; and Otay Mesa and Ocean View Hills (92154) and San Ysidro (92173) are communities of the City of San Diego along the border.
The next ring out. Imperial Beach (91932) is a coastal city southwest of Chula Vista; National City (91950) and Lemon Grove (91945) are separate cities to the north; and Paradise Hills (92139) and Encanto and Skyline (92114) are communities of the City of San Diego north of Chula Vista.
Farther east. La Mesa (91941 and 91942) and El Cajon (92019, 92020 and 92021) are cities east of San Diego, and Alpine (91901) is an unincorporated foothill community in East County.
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 the property tax the same percentage everywhere?
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 and any special taxes.
Does the estimate include HOA dues?
No. Add dues if the home has an association.
Why are some cells empty?
Zillow does not publish every measure for every ZIP code every month.
Can Rudy run this for a specific home?
Yes. Send the address and Rudy will build a personal estimate with the price, the tax, any special tax and current rates.
Keep exploring
- Values side by side — The same areas by value, rent and housing.
- EastLake ZIP codes compared — Prices and inventory in EastLake’s three ZIP codes.
- For buyers — Buying in EastLake.
- Mortgage payment calculator — Try your own numbers.
- Rent versus buy — Compare the costs.
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
- Zillow Research: housing data
- Freddie Mac: Primary Mortgage Market Survey
- U.S. Census Bureau: American Community Survey
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.