July 2026
Chula Vista Market Report
Houses across Chula Vista sold in a median of 36 days in July and sellers kept 99.4% of their original asking price. Condos and townhomes told a calmer story, with more supply and more room to negotiate. This report walks through what happened in each of the city's five ZIP codes, and what it means depending on which side of the deal you're on.
Two markets, one city
Add up all five Chula Vista ZIP codes — 91910, 91911, 91913, 91914 and 91915 — and July 2026 tells a story of two different markets living side by side. Single-family houses sold in a median of just 36 days, sellers kept 99.4% of their original asking price, and closed house sales jumped 46.2% from last July to 95 homes. That's a market where well-priced houses are getting claimed fast.
Condos and townhomes moved at a different pace. They sat for a median of 45 days, about a week and a half longer than houses, and months supply held at 3.1 months — more than half again as much breathing room as the house market's 2.0 months. Condo closings were up too, 22.5% to 49 sales, but sellers there gave up a little more ground, landing at 98.6% of original list price instead of 99.4%.
The year-to-date numbers put a calmer frame around the month. Houses have closed at a median of $971,200 so far in 2026, up just 0.6% from the same stretch last year. Condos are up 3.6% year to date to $654,200. Neither segment is running away in price — July's bigger swings reflect one strong month, not a new normal.
What's driving the house market's speed is supply. Active house inventory across the five ZIPs fell 34.2% from a year ago, to just 144 homes for sale, while new listings dropped 23.8%. Fewer Chula Vista homeowners are choosing to sell right now, and the ones who do are finding a lot of ready buyers waiting.
House median price by ZIP code
July 2026 detached (single-family house) median sales price and year-over-year change, for each of Chula Vista's five ZIP codes.
91914 and 91915 sell far fewer houses each month than the other three ZIPs (13 and 14 closings in July, versus 22–24 elsewhere), so their price swings look bigger than they really are. Treat single-month figures in these two ZIPs as a general direction, not an exact value.
Where Chula Vista moved
July 2025 compared with July 2026, combined across all five ZIP codes, by property type.
Charts plotted from San Diego MLS figures, combined across ZIPs 91910, 91911, 91913, 91914 and 91915. House prices in this combined view are weighted by each ZIP's number of closed sales, so higher-volume ZIPs like 91910, 91911 and 91913 carry more weight than lower-volume 91914 and 91915.
Houses — fast sales, tight supply
At 2.0 months of supply, Chula Vista's house market is firmly a seller's market — well under the four-to-six-month range generally considered balanced, and tighter than San Diego County as a whole. It's also considerably tighter than a year ago, when supply sat at 3.5 months.
The pricing signal backs that up. Sellers received 99.4% of their original list price in July, up nearly a full point from 98.5% last year, and the year-to-date figure of 99.8% shows that wasn't a one-month fluke. Combined with a 36-day median time to contract, houses priced correctly on day one are finding buyers quickly.
Supply is the real constraint, not demand. New house listings fell 23.8% in July (99 versus 130) even as closed sales jumped 46.2%. Fewer Chula Vista homeowners are choosing to sell, and every house that does come to market is getting more attention because of it.
Houses (Detached) — July and Year to Date, All 5 ZIPs Combined
| Key Metric | July 2026 | vs. July 2025 | YTD 2026 | vs. YTD 2025 |
|---|---|---|---|---|
| New Listings | 99 | −23.8% | 740 | −1.5% |
| Pending Sales | 83 | +18.6% | 533 | +16.1% |
| Closed Sales | 95 | +46.2% | 508 | +18.1% |
| Median Sales Price | $1,018,100 | +6.9% | $971,200 | +0.6% |
| % of Original List Received | 99.4% | +0.9 pts | 99.8% | +0.2 pts |
| Days on Market Until Sale | 36 | +10.3% | 29 | −0.6% |
| Inventory of Homes for Sale | 144 | −34.2% | — | — |
| Months Supply of Inventory | 2.0 | −41.5% | — | — |
Median prices do not account for sale concessions or down-payment assistance. Combined figures are calculated across all five ZIP codes, with median price, list-price percentage and days on market weighted by each ZIP's closed-sale count. Inventory and months supply are point-in-time measures and are not reported on a year-to-date basis.
Condos and townhomes — steadier, with more room to negotiate
The attached market moved at a noticeably different pace this July. Closed sales rose 22.5% to 49 units, a solid gain, but new listings fell 16.3% and pending sales dropped 29.3% — a sign that fewer new deals were getting started even as existing ones closed out.
Prices held close to flat. The July median landed at $639,000, down 1.6% from a year ago, while sellers kept 98.6% of their original list price — a touch better than last July's 97.9%. Year to date, condo prices are actually up 3.6% to $654,200, so the July dip looks more like month-to-month noise than a new direction.
Days on market told the clearest story: condos took a median of 45 days to sell in July, essentially unchanged from last year, but noticeably longer than the 36 days houses took. Year to date, condo days on market actually rose from 39 to 44 days. Buyers shopping this segment have more time to think, compare, and negotiate than house buyers do right now.
Condos & Townhomes (Attached) — July and Year to Date, All 5 ZIPs Combined
| Key Metric | July 2026 | vs. July 2025 | YTD 2026 | vs. YTD 2025 |
|---|---|---|---|---|
| New Listings | 82 | −16.3% | 574 | +0.9% |
| Pending Sales | 41 | −29.3% | 367 | +3.4% |
| Closed Sales | 49 | +22.5% | 347 | +9.5% |
| Median Sales Price | $639,000 | −1.6% | $654,200 | +3.6% |
| % of Original List Received | 98.6% | +0.7 pts | 99.4% | +0.1 pts |
| Days on Market Until Sale | 45 | −0.7% | 44 | +13.2% |
| Inventory of Homes for Sale | 153 | −2.5% | — | — |
| Months Supply of Inventory | 3.1 | −7.1% | — | — |
Combined figures across all five ZIP codes, weighted by each ZIP's closed-sale count. Percentage changes on smaller monthly counts (like 91914's 2 attached closings) can look larger than the underlying activity really is — the year-to-date column is the steadier read.
What the money costs right now
Rates have barely moved over the past year — 6.69% today against 6.63% last August — which makes payment math from earlier in the year still roughly reliable. The local wrinkle is where Chula Vista's price bands sit relative to loan limits. At the combined house median of $1,018,100 with 20% down, a buyer borrows $814,480: above San Diego County's $832,750 standard conforming limit only in the higher-priced ZIPs, and comfortably under the $1,104,000 high-balance ceiling almost everywhere in the city. With 20% down, most Chula Vista house purchases stay out of jumbo territory up to roughly $1,380,000 — a threshold that covers every ZIP except the priciest homes in 91914.
Estimated Monthly Payment at 6.69%
| Purchase Price | 20% Down — Loan | Principal & Interest | Loan Category |
|---|---|---|---|
| $639,000 condo/townhome July median | $511,200 | $3,295 | Conforming |
| $832,750 conforming ceiling | $666,200 | $4,294 | Conforming |
| $1,018,100 house July median | $814,480 | $5,250 | High-balance conforming |
| $1,104,000 high-balance ceiling | $883,200 | $5,693 | 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
Chula Vista isn't handing everyone the same deal this month. Depending on what you own, what you're buying, and which segment you're in, July had something genuinely useful for you.
If you are selling
- House sellers have real leverage. At 2.0 months of supply, Chula Vista's house market is deep in seller-favorable territory, and inventory is down 34.2% from a year ago.
- Pricing discipline is paying off. Houses closed at 99.4% of original list price in July and 99.8% year to date — homes priced right on day one are finishing at or near full ask.
- Demand is real, not just talk. Closed house sales jumped 46.2% year over year, the strongest gain of any metric in this report.
- Condo owners have more buyers too. Closed attached sales rose 22.5%, and year-to-date pending sales are up 3.4% — steady, if less dramatic, improvement.
- Your ZIP matters. 91914 and 91915 posted the biggest price gains this July (+10.9% and +21.6%), while 91911 and 91913 stayed closer to flat — know where your street fits before you set expectations.
If you are buying
- Condos give you breathing room. At 3.1 months of supply and a 45-day median sale time, this segment moves at a pace that leaves time to compare and negotiate.
- House prices haven't run away. The year-to-date median of $971,200 is up just 0.6% from 2025. July's 6.9% jump reflects one month's mix of sales, not a step-change in values.
- Rates are predictable. The 30-year rate has moved only six basis points in a year, at 6.69% today. Payment math from earlier in 2026 still roughly holds.
- Loan limits work in your favor. With 20% down, most Chula Vista house purchases stay in high-balance conforming territory up to about $1,380,000, avoiding jumbo underwriting.
- Speed matters more for houses than condos. In a 36-day house market, pre-approval and a clean offer beat a slow, drawn-out negotiation.
Common questions about this report
Why combine five different ZIP codes into one report?
Houses jumped 46% in closed sales. Is that sustainable?
Condo days on market barely changed, but pending sales dropped 29%. What does that mean?
What does 2.0 months of supply actually mean?
Does the citywide median tell me what my home is worth?
Is now a better time to buy or to sell in Chula Vista?
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