July 2026
Bonita Market Report
Detached homes sold in a median of 14 days — roughly three times faster than last July — while buyers gained more inventory to choose from. Both of those things are true at once, and they point in different directions depending on which side of the table you are sitting on.
Faster sales and more choice, at the same time
July was an unusually decisive month in Bonita. Detached homes went under contract in a median of 14 days, down from 44 days last July, and sellers collected 99.0% of their original asking price — not their reduced price, their original one. Ten detached homes closed, exactly matching last July.
What makes the month interesting is that this speed arrived alongside more supply, not less. Active detached listings rose to 15 from 12 a year ago, and months supply ticked up to 1.8 from 1.3. Bonita buyers had roughly a quarter more to look at than they did last summer — the homes simply did not sit once they were priced correctly.
The longer view is calmer than the monthly headline. Year to date, the detached median sits at $1,230,000, down 0.8% from the same stretch of 2025, and year-to-date closings are down 6.0%. Bonita has not run away in price this year. What it has done is reward preparation: the year-to-date figure for percent of original list price received is 99.6%, up from 98.0% last year.
The attached market — condominiums and townhomes — is a smaller and noisier picture, and it deserves its own section below. The short version: recorded prices fell, but supply tightened considerably and buyer activity picked up. Those two signals are worth separating carefully.
Where Bonita moved
July 2025 compared with July 2026, by property type. The detached and attached segments have been moving in genuinely different directions.
Charts plotted from San Diego MLS figures for ZIP 91902. Attached (condo and townhome) figures for July 2026 reflect a single closed sale and should be read as an observation, not a trend. Over the longer rolling twelve-month view published by the MLS, Bonita’s single-family median has run consistently above the countywide figure since 2021, peaking in early 2025 before easing back toward the $1.2 million range where it sits today.
Detached homes — fast, disciplined, and slightly better stocked
At 1.8 months of supply, Bonita’s detached market remains firmly in seller’s-market territory — well below the four-to-six-month range generally considered balanced, and tighter than San Diego County as a whole at 2.5 months. But it is looser than last July, when supply sat at 1.3 months. For a buyer, that difference is real: 15 homes to consider instead of 12.
The pricing signal is the strongest part of the month. Receiving 99.0% of original list price means Bonita sellers, on average, are getting essentially what they first asked — and the year-to-date figure of 99.6% suggests July was not a fluke. Combined with a 14-day median time to contract, the message is that accurately priced homes in this ZIP are being absorbed almost immediately.
Supply is the constraint. New listings fell 33.3% in July (six versus nine) and are down 12.5% year to date. Fewer Bonita owners are choosing to sell, which is precisely why the homes that do come to market clear so quickly.
Detached — July and Year to Date
| Key Metric | July 2026 | vs. July 2025 | YTD 2026 | vs. YTD 2025 |
|---|---|---|---|---|
| New Listings | 6 | −33.3% | 84 | −12.5% |
| Pending Sales | 6 | −14.3% | 61 | −4.7% |
| Closed Sales | 10 | 0.0% | 63 | −6.0% |
| Median Sales Price | $1,203,000 | +5.8% | $1,230,000 | −0.8% |
| % of Original List Received | 99.0% | +2.4% | 99.6% | +1.6% |
| Days on Market Until Sale | 14 | −68.2% | 25 | −21.9% |
| Inventory of Homes for Sale | 15 | +25.0% | — | — |
| Months Supply of Inventory | 1.8 | +38.5% | — | — |
Median prices do not account for sale concessions or down-payment assistance. Inventory and months supply are point-in-time measures and are not reported on a year-to-date basis.
Condos and townhomes — thinner supply, softer recorded prices
This is the segment that most rewards careful reading. Exactly one attached home closed in Bonita during July 2026, at a median of $609,500. That single figure produces a headline “−7.7% year over year” that is arithmetically correct and analytically close to meaningless on its own.
The year-to-date picture is more informative, and it is genuinely mixed. Closed sales are up 15.4% (15 versus 13) and pending sales are up 33.3% (16 versus 12) — demand for Bonita condos and townhomes is clearly running ahead of last year. At the same time, the year-to-date median has fallen 8.9% to $510,000.
Those two facts fit together better than they first appear. New attached listings are down 33.3% year to date and active inventory is down 23.1%, which means the composition of what is selling has shifted — a different mix of units, sizes and conditions can move a median without any individual home losing value. The supply picture supports that reading: months supply collapsed from 5.6 to 3.1, moving Bonita’s attached market from balanced territory into conditions that favor sellers.
Worth noting for context: San Diego County’s attached market sits at 4.1 months of supply. Bonita’s 3.1 months is meaningfully tighter than the county average, which is a different local story than the countywide report tells.
Attached — July and Year to Date
| Key Metric | July 2026 | vs. July 2025 | YTD 2026 | vs. YTD 2025 |
|---|---|---|---|---|
| New Listings | 2 | 0.0% | 22 | −33.3% |
| Pending Sales | 4 | +300.0% | 16 | +33.3% |
| Closed Sales | 1 | −66.7% | 15 | +15.4% |
| Median Sales Price | $609,500 | −7.7% | $510,000 | −8.9% |
| % of Original List Received | 93.8% | −4.4% | 97.3% | −1.1% |
| Days on Market Until Sale | 27 | +350.0% | 56 | +100.0% |
| Inventory of Homes for Sale | 10 | −23.1% | — | — |
| Months Supply of Inventory | 3.1 | −44.6% | — | — |
July 2026 attached figures reflect one closed transaction. Percentage changes on single-digit counts can look extreme; the year-to-date column is the more dependable read on this segment.
How Bonita compares to San Diego County
Bonita is outperforming the county on every measure of speed and seller leverage in the detached segment. Homes here sold in less than half the countywide time, sellers retained a higher share of their original asking price, and supply is tighter — all while the local median runs about $53,000 above the county figure.
July 2026 — Bonita 91902 vs. San Diego County
| Metric (Detached) | Bonita 91902 | San Diego County | Bonita advantage |
|---|---|---|---|
| Median Sales Price | $1,203,000 | $1,150,000 | +$53,000 |
| Median Price, YoY Change | +5.8% | +4.6% | Faster growth |
| Days on Market | 14 | 33 | 19 days faster |
| % of Original List Received | 99.0% | 98.6% | +0.4 pts |
| Months Supply | 1.8 | 2.5 | Tighter supply |
| Attached Months Supply | 3.1 | 4.1 | Tighter supply |
County figures from the San Diego County July 2026 Local Market Update, same MLS source and reporting period. Bonita’s year-to-date median of $1,230,000 is down 0.8%, while the county’s year-to-date detached median of $1,100,000 is up 2.4% — a reminder that a single strong month does not define a year.
What the money costs right now
Rates have been remarkably stable year over year — 6.69% today against 6.63% last August — which is genuinely useful for planning, because the payment math you ran in the spring still roughly holds. The Bonita-specific wrinkle is where the local price band sits relative to loan limits. At the $1,203,000 median with 20% down, a buyer borrows $962,400: above San Diego County’s $832,750 standard conforming limit, but comfortably under the $1,104,000 high-balance ceiling. With 20% down, Bonita buyers stay out of jumbo territory up to roughly $1,380,000 — which covers most of this market.
Estimated Monthly Payment at 6.69%
| Purchase Price | 20% Down — Loan | Principal & Interest | Loan Category |
|---|---|---|---|
| $609,500 attached July median | $487,600 | $3,143 | Conforming |
| $850,000 | $680,000 | $4,383 | Conforming |
| $1,040,000 conforming ceiling | $832,000 | $5,363 | Conforming |
| $1,203,000 detached July median | $962,400 | $6,204 | High-balance conforming |
| $1,380,000 jumbo threshold | $1,104,000 | $7,117 | High-balance conforming |
Principal and interest only. Excludes property taxes, insurance, HOA dues, Mello-Roos and mortgage insurance, which together typically add meaningfully to the total payment. Illustrative only — not a rate quote or commitment to lend. Your actual rate depends on credit, down payment, loan type, occupancy and lender.
Real opportunities on both sides
This market is not uniformly good news or uniformly difficult. Depending on what you own and what you are trying to do next, July handed you something genuinely useful.
If you are selling
- Speed is on your side. A 14-day median time to contract is less than half the countywide pace of 33 days. Well-presented Bonita homes are not sitting.
- Pricing discipline is paying. Sellers received 99.0% of original list price in July and 99.6% year to date — evidence that homes priced correctly on day one are finishing near ask rather than grinding through reductions.
- Supply is still scarce. At 1.8 months, inventory remains far below the four-to-six months that defines a balanced market, and new listings are down 12.5% year to date. Your competition is limited.
- Bonita is beating the county. Your ZIP outperformed San Diego County on median price, price growth, days on market, list-price retention and months supply simultaneously.
- Condo owners: conditions improved. Attached months supply fell from 5.6 to 3.1 and year-to-date pending sales are up 33.3%. There are more buyers and fewer competing units than a year ago.
If you are buying
- You have more to choose from. Fifteen active detached listings versus 12 last July — a 25% increase in selection in a ZIP where choice has been the binding constraint.
- Prices have not run away. The year-to-date detached median of $1,230,000 is down 0.8% from 2025. July’s jump reflects one month’s mix of ten sales, not a step-change in values.
- Condos and townhomes negotiate. Attached sellers accepted 93.8% of original list price in July, with a 27-day median time to contract and a 56-day year-to-date figure — real room to think and to make a case.
- Financing is predictable. Rates have moved only six basis points in a year. With 20% down you stay in high-balance conforming territory up to about $1,380,000, avoiding jumbo underwriting on most Bonita purchases.
- Speed is a strategy, not just a risk. In a 14-day market, pre-approval, a clean offer structure and fast decision-making matter more than an aggressive opening number.
Common questions about this report
Only ten homes sold. How much should I trust these numbers?
Days on market fell 68% but inventory rose 25%. How can both be true?
The attached median dropped 7.7%. Should condo owners be worried?
What does 1.8 months of supply actually mean?
Percent of original list price is 99.0%. Doesn't that mean I should overprice?
Does the 91902 median tell me what my home is worth?
Is now a better time to buy or to sell in Bonita?
What does this mean for your address?
ZIP-code numbers set the context. Your street, square footage and condition set the strategy. Let's talk through where your home — or your search — actually sits in this market.
Call (619) 417-6764 Request a Home Valuation