Carlsbad is one city with several price levels. Pricing each ZIP code’s typical home at the same rate shows how far apart the monthly payments actually are.
The four ZIP codes at today’s rate
| ZIP code | Typical value | Principal and interest | Tax and insurance | Total a month | Income at the 28% guideline | Loan type |
|---|---|---|---|---|---|---|
| 92008 | $1,789,827 | $9,797 | $2,088 | $11,885 | $509,362 | Jumbo |
| 92009 (La Costa area) | $1,566,109 | $8,572 | $1,827 | $10,400 | $445,694 | Jumbo |
| 92010 | $1,281,559 | $7,015 | $1,495 | $8,510 | $364,715 | Conforming |
| 92011 | $1,586,959 | $8,687 | $1,851 | $10,538 | $451,628 | Jumbo |
ZIP 92008 has the highest typical value ($1,789,827) and ZIP 92010 the lowest ($1,281,559), a difference of about $2,782 a month in principal and interest. The 2026 conforming limit in San Diego County is $1,104,000.
If rates move
| Rate | 92008 | 92009 | 92010 | 92011 |
|---|---|---|---|---|
| 6.28% | $8,844 | $7,739 | $6,333 | $7,842 |
| 6.78% | $9,316 | $8,151 | $6,670 | $8,260 |
| 7.28% (today) | $9,797 | $8,572 | $7,015 | $8,687 |
| 7.78% | $10,288 | $9,002 | $7,366 | $9,122 |
| 8.28% | $10,787 | $9,439 | $7,724 | $9,565 |
More on rates
See how the ZIP codes compare on values, price cuts and rents in the Carlsbad market reports, and how rates work in Rudy’s interest-rate series.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
About the data
The rate used is Freddie Mac’s national weekly average for Oct 1, 2026 (source), and values come from the Zillow Home Value Index. Your own rate depends on your credit, your loan and your lender, so use these figures for orientation only.
More on interest rates
- The Fed's Rate Decisions vs. Mortgage Rates: What Is the Difference? — The Federal Reserve sets one short-term rate. Mortgage rates follow a different set of forces. Here is how the two relate, with the recent decisions.
- Fixed Rate, Adjustable Rate and Buydowns: The Basics — How the main loan structures work, and what a temporary or permanent rate buydown means.
General information, not financial advice.
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