| Rudy Flores · (619) 392-6714 · Real Estate Strategist, Realtor® · CalDRE #02257808 · Responsible Broker CalDRE #01481919
REAL ESTATE EASTLAKE
Monthly Update

EastLake Market Update: July 2026

July 2026 in EastLake, in brief: a typical value of $899,413 in ZIP 91913, −0.2% against a year ago and +0.14% on the month. The regional gauge finished the month at “Leans sellers” (42/100).

MONTHLY UPDATE · SEPTEMBER 2026

July 2026 in EastLake, in brief: a typical value of $899,413 in ZIP 91913, −0.2% against a year ago and +0.14% on the month. The regional gauge finished the month at “Leans sellers” (42/100).

The month in brief

  • Homes for sale: 126 in ZIP 91913, lower than 142 a year earlier.
  • Price cuts: 27% of listings, against 22% the month before.
  • Market temperature: 60 out of 100 (higher means more competition), against 62 the month before.
  • Mortgage rates: the Freddie Mac 30-year averaged 6.54% in July 2026, against 6.49% the month before.

If you are buying

  • The number of listings was close to last year’s, so know your budget and your must-haves before you tour.
  • Budget the whole payment: a typical $899,413 home at 6.54% costs about $4,568 in principal and interest alone.

If you are selling

  • About 27 in 100 listings needed a price reduction. Starting at the right price avoids chasing the market.
  • Your home’s own features decide its price. A personal report from Rudy compares it with the nearest sales.

Public data can tell you a lot about an area and nothing about a particular house. Treat this as background, and see the market reports for the longer history.

Your payment

What July 2026 rates meant for a payment

Principal and interest on ZIP 91913 homes with 20% down and a 30-year loan at the month’s average rate (6.54%).

Monthly payment by price tier, July 2026
TierTypical valueVs last monthVs a year agoMonthly principal and interest
Entry level$662,076−0.02%−1.2%$3,362
Typical$899,413+0.14%−0.2%$4,568
Upper tier$1,112,019+0.14%−0.1%$5,648

Property tax, insurance and dues are extra. An illustration, not a quote.

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.

Rates

Monthly average mortgage rate, twelve months

Freddie Mac’s 30-year rate, averaged by month; July 2026: 6.54%.

30-year fixed rate by month

Monthly average of Freddie Mac’s weekly survey

Average 30-year fixed mortgage rate by monthMonthly average of Freddie Mac’s 30-year rate for the twelve months ending July 2026.6%6.2%6.4%6.6%Aug ’25Oct ’25Dec ’25Feb ’26Apr ’26Jun ’26

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.

By the numbers

Values and activity in July 2026

Zillow’s monthly figures for each ZIP code.

The ZIP codes in numbers, July 2026
ZIP codeTypical valueVs last monthVs a year agoHomes for salePrice cutsMarket temperature
ZIP 91913 Chula Vista (includes parts of EastLake & Otay Ranch)$899,413+0.14%−0.2%12627%60
ZIP 91914 Chula Vista (includes parts of EastLake)$1,165,506+0.15%+0.2%4025%61
ZIP 91915 Chula Vista (includes parts of Otay Ranch)$846,463+0.01%−1.3%7428%54
Typical home value, twelve months to July 2026Typical home value in ZIP 91913, ZIP 91914, ZIP 91915 for the twelve months ending July 2026.$800K$900K$1M$1.10M$1.20MAug ’25Oct ’25Dec ’25Feb ’26Apr ’26Jun ’26

ZIP 91913ZIP 91914ZIP 91915

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