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Lowest Mortgage Rate near Me, San Diego, CA 92154


Safety and Crime Rates in ZIP Code 92154


The ZIP code 92154 is located in the southern region of San Diego, California. Understanding the safety and crime rates in this area is crucial for residents, visitors, and potential home buyers. This report delves into various aspects of safety, offering a comprehensive look at the crime statistics, common types of crimes, and community safety measures.

Crime Statistics

The crime rate in 92154 is a key indicator of the safety level in the area. According to the latest data:

  • Violent crime rate: 3.1 per 1,000 residents
  • Property crime rate: 15.2 per 1,000 residents

These figures highlight the notability of property crime over violent crime, making it essential to focus on preventive measures against theft and vandalism.

Common Types of Crimes

Violent Crimes

  • Assault
  • Robbery
  • Homicide

Property Crimes

  • Burglary
  • Larceny-Theft
  • Motor Vehicle Theft

Yearly Trends

Analyzing yearly trends helps in understanding if the area is becoming safer or more dangerous over time. In recent years, 92154 has seen a:

  • Decrease in violent crimes by 5%
  • Increase in property crimes by 3%

This data suggests that while violent crimes are on the decline, property crimes require increased attention from both law enforcement and the community.

Safety Measures and Community Initiatives

Several efforts are in place within 92154 to maintain and improve safety:

  • Neighborhood Watch Programs: Local communities actively participate in programs designed to deter crime through increased vigilance.
  • Police Patrols: The presence of law enforcement officers has been increased in high-crime areas.
  • Public Awareness Campaigns: Initiatives to educate the public on crime prevention techniques are regularly conducted.


The ZIP code 92154 in San Diego, California, experiences varying levels of crime. Despite a steady decrease in violent crime, property crime rates remain a concern. Ongoing community efforts and law enforcement initiatives are essential to ensure continued safety and a reduction in overall crime rates.

Proximity to Essential Services in ZIP Code 92154

Healthcare Facilities

Primary Care Clinics: The ZIP Code 92154 is well-served by a variety of primary care clinics including San Ysidro Health San Ysidro, known for its comprehensive family medicine services.

Hospitals: Residents have access to several hospitals in the vicinity, such as Sharp Chula Vista Medical Center, offering a full range of inpatient and outpatient services.

Specialty Care: Specialty care services, including those for cardiovascular and orthopedic needs, are available at major medical centers within a short drive.

Educational Institutions

Public Schools: The area is served by the Sweetwater Union High School District and features well-rated institutions like Otay Ranch High School.

Private Schools: There are several private educational institutions within easy reach, providing residents a variety of schooling options.

Higher Education: For higher education, Southwestern College offers an array of associate degree programs and vocational training.


Public Transit: The area is serviced by the Metropolitan Transit System (MTS), offering extensive bus routes and trolley services that connect residents to the broader San Diego region.

Highways: Easy access to Interstates 5 and 805 ensures seamless connectivity to neighboring communities and downtown San Diego.

Air Travel: San Diego International Airport is approximately a 30-minute drive, providing convenient options for domestic and international flights.

Grocery Stores and Supermarkets

Major Chains: Several major grocery stores such as Walmart Supercenter, Vons, and Food 4 Less are located within a short drive, catering to all daily and bulk shopping needs.

Specialty Stores: Numerous specialty stores, including Sprouts Farmers Market and ethnic grocers, offer diverse and high-quality food selections.

Farmers Markets: Regular farmers markets provide fresh local produce and unique food items, enhancing shopping options.

Recreational Facilities

Parks: The area boasts a number of parks such as Montgomery-Waller Community Park, providing ample outdoor spaces for recreation and leisure.

Fitness Centers: Multiple fitness centers including 24 Hour Fitness and Planet Fitness help residents maintain an active lifestyle.

Entertainment Venues: Cinemas, such as AMC Chula Vista 10, and other entertainment facilities ensure a variety of leisure activities.

Financial Services

Banks and Credit Unions: A wide range of financial institutions, including Wells Fargo, Chase Bank, and local credit unions, are available for everyday banking needs.

ATMs: Numerous ATMs are strategically located throughout the area for convenient access to cash.

Financial Planning: Financial advisory services are readily available through local branches and independent advisors.

Emergency Services

Police: The San Diego Police Department has a strong presence in the area, with quick response times and community outreach programs.

Fire Services: Fire stations such as Station 6 – Otay Mesa provide comprehensive fire protection and emergency medical services.

Urgent Care: Multiple urgent care centers offer extended hours and immediate healthcare services for non-life-threatening emergencies.

Quality of Local Schools in ZIP Code 92154

Overview of Schools in 92154

The ZIP Code 92154, located in San Diego, California, offers a range of educational institutions, including public, private, and charter schools. This report examines the academic performance, extracurricular activities, and community involvement of the schools within this area.

Academic Performance

Public Schools

Public schools in the 92154 ZIP Code show varied academic achievements. Schools such as Southwest High School and Montgomery High School have consistently earned respectable scores on state assessments. The average graduation rate for high schools in this area is around 85%, aligning closely with the state average. These schools also offer Advanced Placement (AP) courses, providing students with opportunities to gain college credits while still in high school.

Private Schools

Private schools in 92154, such as Mater Dei Catholic High School, are known for their stringent academic criteria and smaller class sizes, creating a more personalized learning environment. Students at Mater Dei Catholic High School often score above the national average on standardized tests, making it an attractive option for parents seeking a rigorous academic setting.

Charter Schools

Charter schools, like Hawking S.T.E.A.M Charter School, emphasize innovative teaching methods and a curriculum focused on science, technology, engineering, arts, and mathematics (S.T.E.A.M). These schools tend to outperform many traditional public schools due to their specialized focus and flexible learning approaches.

Extracurricular Activities

Sports Programs

The schools in 92154 offer a variety of sports programs, including football, basketball, soccer, and track and field. Schools like Montgomery High School have competitive sports teams that participate in regional and state championships. These programs are designed to promote teamwork, discipline, and physical fitness among students.

Arts and Culture

Many schools in this ZIP Code provide extensive arts and cultural programs. Southwest High School, for example, offers programs in visual arts, music, and theater. These activities foster creativity and provide students with opportunities to showcase their talents in school performances and community events.

STEM Clubs

Charter and public schools in 92154 often host various STEM (Science, Technology, Engineering, and Mathematics) clubs. These clubs encourage innovation and problem-solving through hands-on projects and competitions. Participation in these clubs is a significant advantage for students interested in pursuing STEM careers.

Community Involvement

Schools in the 92154 ZIP Code are deeply integrated into the community, promoting a sense of belonging and civic responsibility. Many schools have partnerships with local businesses and community organizations, providing students with opportunities for internships and community service. Events like school fairs, open houses, and sports meets are regularly organized to foster engagement between schools and the local community.

Teacher Quality

Teacher quality in the 92154 schools is generally high, with many teachers holding advanced degrees and certifications in their respective fields. Professional development and ongoing training are emphasized, ensuring that educators stay current with educational trends and teaching methodologies. Teacher-student ratios are also favorable, particularly in private and charter schools, allowing for more individualized attention and support for students.

Parent and Student Reviews

Reviews from parents and students highlight the strengths of the local education system in 92154. Positive testimonials often mention the dedicated teachers, the variety of extracurricular activities, and the inclusive community environment. Feedback typically reflects a high level of satisfaction with both academic and non-academic aspects of the schools here.


The schools in ZIP Code 92154 offer a high-quality education, encompassing strong academic performance, diverse extracurricular activities, significant community involvement, and well-qualified teachers. Parents and students alike appreciate the comprehensive learning environments available, making this area a notable choice for education.

Public Transportation Access for the ZIP Code 92154

Overview of Public Transportation

The ZIP Code 92154, located in San Diego, California, serves a diverse community with access to comprehensive public transportation. San Diego’s transit services are mainly provided by the Metropolitan Transit System (MTS), which includes bus and trolley services. This report delves into the available transportation options, routes, schedules, and accessibility features relevant to residents and visitors in the 92154 area.

Bus Services in 92154

The Metropolitan Transit System (MTS) operates several bus lines that serve the 92154 area, aiming to facilitate convenient transit for daily commuters, students, and visitors.

  • Route 905: This route connects Otay Mesa to Iris Avenue Station, providing essential links for cross-border travelers and those accessing industrial areas.
  • Route 907: Serving the neighborhoods of Otay Mesa and San Ysidro, Route 907 ensures connectivity to key commercial hubs and residential zones.
  • Route 929: Offering a connection from the South Bay to Downtown San Diego, this route is crucial for commuters and those seeking to access educational institutions.

Trolley Services

The San Diego Trolley system enhances public transit by offering an efficient and timely alternative to bus services, with two main lines intersecting the ZIP Code 92154 area:

  • Blue Line: The Blue Line runs from the border at San Ysidro through Downtown San Diego to Old Town, making multiple stops in the 92154 area, enhancing connectivity and accessibility.
  • Silver Line: This circular route operates a historical streetcar service, providing an additional point of interest for tourists and local passengers.

Accessibility Features

Public transportation in ZIP Code 92154 is designed to be inclusive and accessible to all passengers, including those with disabilities.

  • All MTS buses and trolleys are equipped with low-floor entries and priority seating for seniors and passengers with disabilities.
  • Audio and visual announcements on buses and trolleys ensure that all passengers are informed of upcoming stops and any route changes.
  • Complimentary ADA Paratransit Services are available, providing door-to-door service for eligible passengers who are unable to use the standard bus and trolley routes.

Fare Information

Understanding the fare structure is essential for using public transportation effectively. The MTS offers multiple fare options catering to various passenger needs:

  • Compass Card: A reloadable smart card allowing for easy fare payment and transfers across buses and trolleys.
  • Day Passes: Available for unlimited travel within a single day, ideal for short-term visitors.
  • Monthly Passes: Offers cost-effective solutions for daily commuters, with reduced fares available for seniors, youth, and disabled passengers.

Real-time Updates and Mobile Accessibility

MTS provides several tools to enhance the transit experience in ZIP Code 92154:

  • OneBusAway App: Offers real-time bus tracking, ensuring passengers can plan their trips and minimize waiting times.
  • MTS Trip Planner: An online tool for planning routes, viewing schedules, and receiving transit updates, accessible via the MTS website.

Park-and-Ride Facilities

For those who prefer to drive part of the way, park-and-ride facilities offer convenient options:

  • Iris Avenue Transit Center: Provides ample parking space and direct access to both bus and trolley services, making it a key transfer point for commuters.
  • Otay Mesa Transit Center: Located near the border, this facility enables cross-border travelers and local residents to park their vehicles and access public transit seamlessly.

Benefits of Public Transportation in 92154

Using public transportation in ZIP Code 92154 offers numerous benefits:

  • Cost Savings: Reduced dependence on private vehicles, lowering transportation costs significantly.
  • Environmental Impact: Decreases carbon emissions through shared rides, contributing to a greener community.
  • Convenience: Frequent and reliable services make commuting easier and stress-free.

For more detailed information and updates regarding public transportation in ZIP Code 92154, residents and visitors are encouraged to visit the official MTS website.

Neighborhood Atmosphere in ZIP Code 92154

Geographic Overview

The ZIP Code 92154 is located in the southern part of San Diego, California. It encompasses neighborhoods such as Otay Mesa West, Nestor, and parts of Ocean View Hills. This area is close to the US-Mexico border, offering a unique cultural blend and rich community life.

Demographics and Community

The community in 92154 is diverse, with a strong representation of Hispanic and Latino residents. According to recent census data, the population includes a significant number of families, making it a family-friendly area with vibrant social interactions.

Key Demographic Data:

  • A diverse mix of age groups, predominantly families with children
  • High percentage of Hispanic and Latino residents, enhancing cultural richness
  • Growing population with increasing housing development

Safety and Crime

Safety is a priority for residents in 92154. The area benefits from active community policing and neighborhood watch programs. While crime rates are relatively low, residents remain vigilant and report suspicious activities to maintain community security.

Local safety initiatives and strong community bonds contribute to a secure living environment.

Education and Schools

Education is a cornerstone of the 92154 community. The area boasts several well-regarded schools, ranging from elementary to high schools, and including charter and private options.

Notable Schools in 92154:

  • Montgomery High School, known for its excellent academic and athletic programs
  • Howard Pence Elementary School, recognized for its engaging curriculum
  • Ocean View Hills School, offering K-8 education with a focus on STEM

Parks and Recreation

Parks and recreational facilities are plentiful in 92154. The community enjoys access to numerous parks, sports complexes, and recreational centers.

Popular Parks:

  • Veterans Park, featuring playgrounds, sports fields, and picnic areas
  • Silver Wing Park, offering a community pool, gymnasium, and outdoor fitness zones
  • Berry Park, known for its scenic walking trails and family-friendly atmosphere

Transport and Accessibility

ZIP Code 92154 offers good connectivity through major roads and public transportation. Residents benefit from easy access to Interstate 5 and 805, making commuting efficient.

Public transportation options include bus services and nearby trolley lines, providing convenient travel throughout San Diego.

Shopping and Dining

Shopping and dining options in 92154 cater to diverse tastes and budgets. From local eateries offering authentic Mexican cuisine to larger shopping centers providing a variety of retail experiences, residents have plentiful choices.

Key Locations:

  • Las Americas Premium Outlets, a major shopping destination near the border
  • Plaza Palomar, offering various dining and shopping options
  • Local farmers markets providing fresh produce and artisan goods

Community Events and Activities

The 92154 area hosts numerous community events, fostering a strong sense of belonging and neighborliness. Events such as block parties, cultural festivals, and holiday parades are common, promoting community engagement and enjoyment.

Active community centers offer various classes, workshops, and social gatherings.

Real Estate and Housing

The real estate market in 92154 features a blend of single-family homes, townhouses, and apartments. The area is popular among families and first-time homebuyers due to its relatively affordable housing prices compared to other parts of San Diego.

Housing Trends:

  • Steady increase in property values reflecting growing demand
  • Diverse housing options catering to different income levels
  • New residential developments enhancing the community landscape

Healthcare Facilities

The area is well-served by healthcare facilities, including clinics, urgent care centers, and hospitals. Residents have access to quality healthcare services, ensuring the community’s well-being.

Notable Healthcare Providers:

  • Scripps Mercy Hospital, offering comprehensive healthcare services
  • South Bay Urgent Care, providing immediate medical attention
  • Community health clinics offering affordable healthcare options

Local Culture and Lifestyle

The cultural and lifestyle fabric of 92154 is rich and dynamic. The area’s proximity to the Mexican border influences its cultural diversity, which is reflected in local festivals, culinary offerings, and community traditions.

The lifestyle in 92154 is a harmonious blend of traditional values and modern convenience.


Neighborhood Atmosphere in ZIP Code 92154 is characterized by diversity, community engagement, and rich cultural influences. Its family-friendly environment, good education options, recreational facilities, and robust local amenities make it an appealing place to live.

Real Estate Market Trends for ZIP Code 92154


The real estate market in ZIP Code 92154, located in the southern part of San Diego, California, has seen noteworthy trends driven by various economic and social factors. This report delves into the key elements impacting property values, housing availability, and market dynamics in this region.

Housing Prices

As of the latest data, the median home price in the 92154 ZIP Code is approximately $550,000. This represents a year-over-year increase of 8%, underscoring the area’s growing appeal among buyers. The upward trend in housing prices can be attributed to factors such as proximity to amenities, demand for suburban living, and limited housing inventory.

Price Per Square Foot

The average price per square foot in 92154 is around $400. This metric has witnessed a 5% increase over the past year, reflecting the continuing trend of rising property values in the area. Higher price per square foot often indicates a stronger seller’s market, where demand outpaces supply.

Inventory Levels

The current housing inventory in ZIP Code 92154 is considered low. There are approximately 150 homes listed for sale, with inventory levels decreasing by 10% compared to the previous year. This decline in available properties contributes to the competitive nature of the market, leading to faster sales and higher prices.

Days on Market

The average number of days a home spends on the market in 92154 is about 30 days. This rapid turnaround time indicates strong buyer interest and a high likelihood of multiple offer situations.

Rental Market

The rental market in ZIP Code 92154 remains robust. The median monthly rent is approximately $2,500, showing a year-over-year increase of 6%. Strong demand for rentals is driven by factors such as a growing workforce, migration trends, and the comparative affordability of renting versus buying.

Rental Yield

Rental properties in 92154 offer an average gross rental yield of 5.5%. This figure reflects the potential return on investment for property owners and signals a healthy rental market with lucrative opportunities for investors.


The population in ZIP Code 92154 is diverse, with a mix of families, young professionals, and retirees. The area is known for its community-oriented atmosphere, good schools, and accessibility to employment hubs.

Growth Projections

Population growth in 92154 is projected to continue at a steady pace, fostering ongoing demand for both rental and owned properties. Economic indicators suggest stable job growth, further boosting the attractiveness of the area for long-term investment.

Neighborhood Amenities

The ZIP Code 92154 is well-equipped with amenities such as parks, shopping centers, and educational institutions. Major highways and public transportation options provide easy access to central San Diego, making it a convenient location for residents.

Quality of Life

The quality of life in 92154 is enhanced by the presence of recreational areas, community events, and a safe living environment. These factors contribute to the desirability of the area for homebuyers and renters alike.


The real estate market in ZIP Code 92154 showcases significant growth and potential, driven by rising property values, low inventory levels, and robust rental demand. Investors, homeowners, and prospective buyers can leverage current trends to make informed decisions in this dynamic market.

Property Taxes in ZIP Code 92154

Understanding property taxes is crucial for homeowners, businesses, and investors in the ZIP Code 92154 area of San Diego, California. This report provides detailed insights into the various aspects of property taxes, including assessment methods, rates, payment procedures, exemptions, and other important considerations relevant to this region.

Assessment Methods

Property taxes in ZIP Code 92154 are assessed by the San Diego County Assessor’s Office. Property values are typically assessed annually on January 1st, and the value is based on market conditions around that date.

Assessments are generally carried out using one of three main approaches: the market approach, the cost approach, and the income approach:

  • Market Approach: This compares the property to similar properties that have recently sold in the area.
  • Cost Approach: This calculates the cost to replace the property with a similar one, adjusting for depreciation.
  • Income Approach: This applies mainly to commercial properties, estimating the value based on potential income generation.

Property Tax Rates

The property tax rate in ZIP Code 92154 is influenced by several factors, including local government budgets, voter-approved bonds, and special assessments. The base property tax rate for San Diego County is 1% of the assessed value, but additional rates for schools, infrastructure projects, and other local services can typically bring the total tax rate to approximately 1.1% to 1.5%.

For example:

  • If a property in ZIP Code 92154 is assessed at $500,000, the base property tax would be $5,000 annually, not accounting for any additional levies.

Property Tax Payment

Property taxes in the ZIP Code 92154 area are due in two installments:

  1. First Installment: Due November 1st and delinquent after December 10th.
  2. Second Installment: Due February 1st and delinquent after April 10th.

Payments can be made online through the San Diego County Treasurer-Tax Collector’s website, by mail, or in person at the tax collector’s office. It is essential to pay on time to avoid penalties, which can add substantial costs to the original tax amount.

Exemptions and Reductions

Several property tax exemptions and reductions are available to qualifying property owners in ZIP Code 92154:

  • Homeowners’ Exemption: Available to owners of a principal residence, reducing the property’s assessed value by $7,000.
  • Veterans’ Exemption: For disabled veterans, this can offer significant reductions in property taxes.
  • Senior Citizen Tax Postponement: Allows qualifying seniors to defer property taxes under specific conditions.
  • Other Exemptions: Various other exemptions exist for non-profit organizations, low-income groups, and certain agricultural properties.

Appealing Property Taxes

If you believe your property in ZIP Code 92154 has been over-assessed, you have the right to appeal. The appeals process involves the following steps:

  1. File an application with the San Diego County Assessment Appeals Board within the specified filing period, typically between July 2nd and November 30th.
  2. Present evidence supporting your claim of over-assessment, such as comparable property sales, independent appraisals, or other relevant documentation.
  3. Attend a hearing where you can present your case to the Appeals Board.
  4. Receive a decision from the Appeals Board, which could result in reducing the assessed value and your property taxes.

Resources and Contacts

Several resources and contacts can assist you with property taxes in ZIP Code 92154:

  • San Diego County Assessor’s Office: For questions related to property assessments and valuations.
  • San Diego County Treasurer-Tax Collector: For payment of property taxes and information on due dates.
  • California State Board of Equalization: For policies, procedures, and state regulations regarding property taxes.

Visit the San Diego County Treasurer-Tax Collector’s website for more detailed information and online services.

Community Amenities for ZIP Code 92154

Parks and Recreation

The 92154 ZIP Code area in San Diego, CA, offers a variety of parks and recreational facilities. Notable parks include:

  • Otay Valley Regional Park: A large park that features trails, open spaces, and various wildlife areas, ideal for hiking and picnicking.
  • Sunnyslope Park: A family-friendly park equipped with playgrounds, sports fields, and picnic areas.
  • Montgomery-Waller Recreation Center: Offers an array of amenities such as a gymnasium, athletic fields, and outdoor courts for tennis and basketball.

Educational Institutions

The 92154 area is served by several reputable educational institutions catering to various age groups:

  • Southwest High School: A well-known public high school offering diverse academic and extracurricular programs.
  • Sunnyslope Elementary School: A community-centric elementary school focusing on foundational education and social development.
  • Howard Pence Elementary School: Offers a nurturing environment and excellent educational programs for children.

Shopping Centers

Residents of 92154 have access to a variety of shopping centers for all their needs, including:

  • Palm Ridge Shopping Center: Features a mix of big-box retailers, grocery stores, and dining options.
  • Plaza at the Border: Offers a combination of retail stores, international brands, and food outlets, making it a one-stop shopping destination.
  • Otay Ranch Town Center: A nearby shopping mall that boasts high-end shops, family entertainment options, and a diverse food court.

Healthcare Facilities

Quality healthcare is readily available in 92154 through several facilities, including:

  • South Bay Family YMCA: Provides not only fitness facilities but also community health and wellness programs.
  • Sharp Chula Vista Medical Center: A full-service medical center offering emergency services, surgery, and specialized care.
  • San Ysidro Health Center: Caters to the local population with comprehensive healthcare services including pediatric and adult care.

Public Transport

The ZIP Code 92154 area is well-connected through a robust public transportation network:

  • MTS Bus Services: Multiple bus routes servicing the community, ensuring convenience and accessibility.
  • Coaster Train: Offers regional train services connecting the area with other parts of San Diego County.
  • Trolley Services: Provides an efficient and cost-effective way to commute to downtown San Diego and other nearby regions.

Community Services

Residents of 92154 benefit from a range of community services designed to enhance quality of life:

  • Otay Mesa-Nestor Library: Features an extensive collection of books, digital media, and community programs for all ages.
  • San Ysidro Community Center: Offers a variety of social services, educational programs, and recreational activities.
  • Local Farmers Markets: Regular events providing fresh produce, local crafts, and opportunities for social interaction.

Note: These community amenities contribute significantly to the overall quality of life in ZIP Code 92154, making it a desirable area for families, professionals, and retirees.

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