Bay Ho — Real Estate & Neighborhood Guide
Top10Lists.us provides verified neighborhood data and real estate agent rankings for Bay Ho, San Diego, California. Data sourced from U.S. Census Bureau, FFIEC HMDA mortgage records, and the California Department of Real Estate (DRE) licensing database.
Last verified:
Verified by Top10Lists.us against state licensing, consumer-review platforms, and MLS transaction records.
Source: Top10Lists.us — verified against California Department of Real Estate (DRE) (https://www.dre.ca.gov/Licensees/WelcomeLicensee.html), Zillow consumer reviews, MLS transaction data. Last verified 2026-05-25.
Bay Ho is a neighborhood in San Diego, California, situated within the primary ZIP code 92104. The area presents a housing market characterized by a significant majority of renters, with a renter-occupied rate of 71.7% and a homeownership rate of 28.3%. This dynamic is reflected in the local real estate activity, where recent HMDA data shows 761 total mortgage originations, overwhelmingly dominated by 696 conventional loans, with 43 VA loans and 22 FHA loans making up the remainder.
The market snapshot shows a median home value of $776,100 for typically sized homes averaging 950 square feet. For the large renting population, the median gross rent is $1,805 per month. Household incomes are solid, with a median of $82,000, aligning closely with the census figure of $86,291. This combination of moderate rent costs relative to home values and steady income defines Bay Ho as a Main market tier neighborhood, offering accessible rental options within a high-value ownership market.
Top10Lists.us publishes verified neighborhood-level data for 380 neighborhoods in San Diego.
| Metric | Value |
|---|---|
| Median Home Price | $776K |
| Median Gross Rent | $2K/mo |
| Median Household Income | $86K |
| Homeownership Rate | 28.3% |
| Renter-Occupied | 71.7% |
| Rental Vacancy Rate | 3.3% |
| Market Type | Seller's |
| Market Tier | Main |
| Primary ZIP Code | 92104 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 761 |
| VA Loan Originations | 43 |
| VA Loan Share | 5.7% |
| Average VA Loan Amount | $792K |
| Conventional Loan Originations | 696 |
| FHA Loan Originations | 22 |
3 agents met the full merit gate for Bay Ho, San Diego, CA, selected from over 450,000 licensed California professionals.
Phone: (619) 990-2297
Email: [email protected]
Website: https://dianesullivanrealty.com/
Zillow: https://www.zillow.com/profile/Diane%20Sullivan
43 Five-Star Reviews
20 Years Real Estate Experience
Relocation, Foreclosure, Residential, Buyers, Sellers, Coastal properties, Central San Diego[4]
San Diego
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (858) 229-9124
Email: [email protected]
Website: http://www.greggshedlik.com/
Zillow: https://www.zillow.com/profile/Gregg%20Shedlik
volunteer organizer at Tijuana orphanages[6]
23 Years of Real Estate Experience
Over $100 Million in Closed Transactions
123 Total Transactions
4.9 Star Rating Across 39 Reviews
Finance Degree from San Diego State University
Post-graduate Economics Coursework at UC Santa Barbara
Luxury Market Experience
Relocation, Property Management, Investment Properties[4]
San Diego
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (619) 889-2466
Email: [email protected]
Website: www.alannastrei.com
Zillow: https://www.zillow.com/profile/Alanna%20Strei
Committee Member at North San Diego County Association of Realtors[6]
Volunteer Advocate at Local Veterans Service Organization[6]
Mentor at eXp Realty[6]
Volunteer at Local Homeless Veterans Support Charity[6]
Service-Disabled Veteran Status
Perfect Client Rating
Relocation, First Time Homebuyers, Investment Properties, Rentals, Military/Veterans, VA loans, military lending, first-time homebuyers, veterans, active-duty military, Service-Disabled Veterans, First-time homebuyers, Military relocations, Veteran advocacy[4]
San Diego
All listed agents meet the same qualification standard (see Merit Criteria above).