The Point Loma Real Estate Market: What Local Buyers and Sellers Need to Know in 2025–2026

There's a reason people who move to Point Loma rarely leave.

I know this firsthand. I've called Point Loma home since 2013, long before that, actually, if you count my University of San Diego days spent walking Sunset Cliffs and grabbing burritos on Rosecrans. I bought my home here in 2014, raised my children here, and have been helping buyers and sellers navigate this market ever since. After nearly two decades in San Diego real estate, I can tell you without hesitation: Point Loma operates by its own rules. And if you want to buy or sell here successfully, you need to understand them.

What the Numbers Are Actually Telling Us

San Diego County closed out 2025 with the county-wide median single-family home price reaching $1,000,000, a 2.6% increase over December 2024, according to the California Association of REALTORS. Countywide, homes spent a median of 27 days on market in December 2025, up slightly from 24 days the year prior, signaling a market that's normalizing without softening significantly.

Point Loma, however, tells a more nuanced story. Depending on the sub-neighborhood, from the tree-lined streets of the Wooded Area to the bay-adjacent charm of La Playa to the walkability of Loma Portal, median prices range from approximately $1.2M to $2M+, with waterfront and bay-view properties commanding significantly more. Well-priced homes are moving fast. Overpriced homes are sitting. For a deeper look at how the sub-neighborhoods break down, visit my Point Loma Real Estate Guide 2026.

That distinction matters more here than almost anywhere else in San Diego.

The #1 Thing That Determines Whether a Point Loma Home Sells Fast or Sits

Ask me what separates a Point Loma home that goes under contract in a weekend from one that lingers for 60 days, and my answer is always the same: pricing.

Buyers who shop Point Loma know the neighborhood. They know the homes are often older and may need updating. That's not a secret, and it's not a dealbreaker. What they won't do is overpay for a home that's been priced with wishful thinking. When a property is priced correctly from day one, it sells. Period. When it isn't, it accumulates days on market, and those days become a negotiating liability for the seller.

I recently worked with buyers who were essentially priced out of Point Loma, until the right opportunity appeared. A home had come to market too high, sat longer than expected, and accumulated some market skepticism along the way. The property had real challenges: an unusual floor plan, years of deferred maintenance from its time as a rental, and a lack of the polish that some buyers in this price range expect. But with the right timing, seller credits applied toward a rate buydown, and a clear-eyed assessment of the equity potential, my clients entered the Point Loma market with immediate equity and a mortgage payment that actually worked for their budget.

Not sure if now is the right time for you to make a move? Try my Move Meter. It's a quick way to gauge where you stand as a buyer before we even have a conversation.

The lesson: in Point Loma, pricing is everything, for sellers who want results and buyers who know how to spot opportunity.

What Outsiders Get Wrong About Point Loma

Every so often, someone tours a home in Point Loma and mentions the flight path. The planes. The noise.

What they don't understand yet, and what every Point Loman knows, is that it doesn't take long before you stop noticing it altogether. Because what replaces that concern is something harder to put into words: the ease of this community. The beauty of it. The humbleness. The deep, multi-generational roots that people have here. Point Loma isn't the loudest neighborhood in San Diego. It's not the trendiest or the flashiest. It's the one people plant themselves in and never want to leave. That's not marketing. That's just what I've watched happen, over and over, for the past decade-plus.

The buyers who almost let the flight path talk them out of it are often the ones who end up being the most grateful they didn't walk away.

The Point Loma Buyer: Local, Loyal, and Always Looking

One of the dynamics that makes Point Loma so distinctive, and so competitive, is who's actually buying here. It's not primarily out-of-state transplants or speculators. It's locals. People moving from one side of the Point to the other. Longtime residents upsizing, downsizing, or simply finding a home that fits the next chapter. There's a constant, quiet churn of buyers who know this community intimately and have been patiently watching the market, waiting for the right home to come along.

This is exactly why pricing matters so much. These buyers aren't easily impressed by aspirational list prices. They've been watching Point Loma for months, sometimes years. If you want to see what's currently available, browse this weekend's open houses. It's one of the best ways to get a feel for the market firsthand.

What 2026 Looks Like From Here

Countywide, forecasters project San Diego home prices to appreciate approximately 2 to 4% through 2026, with coastal single-family homes expected to outperform the county average. Mortgage rates have trended downward. The 30-year fixed averaged 6.19% in December 2025, down from 6.72% a year earlier, and most projections suggest continued gradual improvement through the year.

For Point Loma specifically, I don't anticipate a softening in demand. This is a market that has consistently held its value and its appeal across multiple cycles, and nothing about the current environment changes that. Inventory remains constrained, local buyers remain engaged, and the lifestyle this community offers isn't something you can replicate in another zip code.

What I tell my clients: Point Loma is always going to be a market that moves. The question isn't whether to act. It's whether you're positioned correctly when the right home appears.

Frequently Asked Questions

How much does a home cost in Point Loma?

As of early 2026, median prices in Point Loma range from approximately $1.2 million to over $2 million depending on the sub-neighborhood. Waterfront and bay-view properties command significantly more. The county-wide median single-family home price reached $1,000,000 at the end of 2025, and Point Loma consistently tracks above that figure.

Is Point Loma a good place to buy a home in San Diego?

Point Loma has consistently held its value across multiple market cycles, which makes it one of the more stable coastal neighborhoods in San Diego for buyers. The trade-off is that inventory is limited and competition from local buyers is steady, so being prepared and working with someone who knows the neighborhood well matters more here than in most areas.

Are home prices going up in Point Loma in 2026?

Forecasters project San Diego home prices to appreciate 2 to 4% through 2026, with coastal single-family homes expected to outperform the county average. Point Loma's constrained inventory and loyal local buyer pool suggest continued price stability and modest appreciation through the year.

What is it like to live in Point Loma?

Point Loma is a community-oriented coastal neighborhood with multi-generational roots and a quieter, more grounded feel than many other San Diego beach areas. The airport flight path is real, but most residents adjust quickly and find that the lifestyle, walkability, and sense of community far outweigh it. People who move here tend to stay for a long time.

Thinking About Buying or Selling in Point Loma?

I've lived here, raised a family here, and spent the last decade-plus helping clients do the same. I know these streets. I know what homes are actually worth. And I know how to put together a strategy, whether you're trying to enter this market or make the most of the equity you've built in it.

Let's talk. You can reach me at Shirin@TheSDHome.com, call or text at 858.750.5753, or visit TheSanDiegoHome.com.

Shirin Kheshti is a Broker Associate and Military Relocation Professional (DRE #01848250) with Coldwell Banker West, specializing in coastal San Diego real estate with nearly 20 years of experience.