Market Overview
Home Prices in National City, CA
The median home value in National City, CA is $692,258 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.7% compared to a year ago and down 2.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in National City are priced69% above average. National City is part of the San Diego-Chula Vista-Carlsbad, CA metro area.
Over the past five years, National City home values have risen by approximately21.7%, reflecting strong long-term appreciation in this market.
Price History
National City Home Price Trend
City Comparison
National City vs. National Median
At $692,258, homes in National City cost 69% above the national median of $410,000. Buyers in National City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in National City?
20% Down Payment
$138,452
on $692,258
Monthly P&I
$3,610/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,585/mo
incl. taxes & insurance
Income Needed
$183,400
gross annual (30% rule)
10% Down Option
$69,226
+ PMI applies
Loan Amount (20% dn)
$553,806
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in National City, CA?
The median home value in National City is $692,258 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.7% year-over-year.
How much have home prices changed in National City?
Over the past year, home values in National City have increased by 1.7%. Over five years, prices have risen approximately 21.7%.
How much do I need to earn to buy a home in National City?
To comfortably afford the median home price of $692,258 with a 20% down payment ($138,452) at today's rates (6.8%), you'd need a gross annual income of approximately $183,400. This assumes keeping total housing costs at or below 30% of gross income.
How does National City compare to the national average home price?
The national median home value is approximately $410,000. At $692,258, homes in National City are 69% above the national average.
What metro area is National City part of?
National City is part of the San Diego-Chula Vista-Carlsbad, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.