POINT LOMA
MONTHLY MARKET REPORT
July 2026 | Detached + Attached Homes

Point Loma is a market where the details matter. Home values can vary significantly from one street to the next based on location, views, lot size, condition, architecture and even which side of the peninsula you're on.

 

Each month, I break down the latest sales, inventory, days on market and pricing trends for 92106, then put those numbers into context. With relatively few homes changing hands each month, the story behind the statistics is often more important than the headline numbers.

 

I've called Point Loma home since 2013, so my perspective comes from both the market data and knowing the neighborhoods, streets and homes that make this part of San Diego so unique.

July 2026

At a Glance

Point Loma · 92106 · Detached + Attached Homes · SDMLS via InfoSparks · Published August 2026

Shirin's Take

The headline price drops need context this month.

Point Loma had just 11 detached closings and 4 attached closings in July. With samples that small, a few individual sales can move the median dramatically. The steadier signals are supply and the share of original list price sellers received: detached inventory and months supply were essentially stable, while attached inventory tightened and both segments continued to close relatively close to original asking price.

A note on Point Loma data: Monthly ZIP-code statistics can move sharply because relatively few homes trade in any one month. I use these numbers as directional indicators and put more weight on recent comparable sales when evaluating an individual property.

Point Loma · 92106

Detached Homes

July 2026

Median Sales Price$1,650,000↓ 21.4% vs. July 2025
Sold Listings11Unchanged vs. July 2025
Active Listings39↓ 2.5% vs. July 2025
Months Supply3.5Unchanged vs. July 2025
Pending Sales10↓ 50.0% YoY
Avg. Days on Market19 days↓ 53.7% YoY
Median % of Original List Price96.6%Essentially flat YoY

The 21.4% decline in median sales price looks dramatic, but with only 11 closings it should not be read as a 21.4% decline in Point Loma home values. A shift in the mix of homes sold can move the monthly median substantially in a market this small.

Supply tells a steadier story. Active listings were nearly unchanged at 39, months supply held at 3.5, and sellers received a median 96.6% of original list price, essentially unchanged from last year. Those figures suggest a more stable underlying market than the headline price change implies.

For Buyers

Don't treat the 21.4% median-price decline as a market-wide discount. Compare each home with recent, truly comparable sales and pay close attention to location, condition, lot, views and other property-specific factors.

For Sellers

Monthly medians are especially noisy in Point Loma. Pricing should be based on the most relevant recent comparable sales rather than a ZIP-code headline, particularly when only a small number of homes closed.

Point Loma · 92106

Attached Homes

Townhomes, rowhouses + condos · July 2026

Median Sales Price$1,087,500↓ 11.2% vs. July 2025
Sold Listings4↑ 33.3% vs. July 2025
Active Listings12↓ 25.0% vs. July 2025
Months Supply3.3↓ 10.8% vs. July 2025
Pending Sales2↓ 50.0% YoY · small sample
Avg. Days on Market60 days↓ 6.3% YoY
Median % of Original List Price99.4%Essentially flat YoY

Only four attached homes closed in July, so the 11.2% decline in median price is highly sensitive to which units happened to sell. The median share of original list price remained essentially flat at 99.4%, which provides useful context for that headline decline.

Inventory tightened to 12 active listings, down 25.0% from last year, while months supply eased to 3.3. Average days on market improved slightly to 60. With so few transactions, however, this segment is better evaluated over several months than from any single monthly percentage.

For Buyers

Selection is limited, but 60 average days on market means not every property is moving immediately. Look beyond the ZIP-code median and evaluate the specific unit, complex, HOA, condition and recent comparable sales.

For Sellers

Limited inventory can work in your favor, but attached properties aren't interchangeable. Pricing should reflect the specific complex, floor plan, condition, HOA and recent comparable sales rather than the monthly ZIP-code median alone.

Point Loma Context

One ZIP code doesn't tell the whole story.

Point Loma includes very different pockets and property types, and value can change considerably based on the specific location, views, lot, condition and home itself. Monthly 92106 data is useful for understanding direction, but an individual home's value requires a much narrower comparison.

Looking Ahead

What matters next

I'll be watching pending activity in the detached market and available inventory in the attached market. More than anything, I want to see whether July's movements persist across several months before treating them as a broader shift in Point Loma.

Explore More

Local Market Reports

San Diego County Ocean Beach Hillcrest / Mission Hills Clairemont / Bay Park Coronado

Have a Question About Your Point Loma Home?

Let's put the numbers in context.

If you're curious where your property fits in the current Point Loma market, I'm happy to look beyond the ZIP-code averages and talk through the recent sales that are actually relevant to your home.

Shirin Kheshti · Broker Associate · Coldwell Banker West
DRE #01848250 · 858.750.5753 · Shirin@TheSDHome.com

Data source: San Diego MLS / InfoSparks, 92106, July 2026, © ShowingTime Plus, LLC. Detached and attached figures reported separately. Median price and list-price ratio reflect closed sales only. Monthly figures in low-volume ZIP codes are subject to wider variance than county-level data. This report is for informational purposes only and does not constitute financial or legal advice. Each office independently owned and operated. Equal Housing Opportunity.