What is the Best Neighborhoods USA ranking for Bay Ho?
Bay Ho is ranked #35 of 111 eligible neighborhoods in San Diego; #802 of 1,814 eligible neighborhoods in CA; and #6,998 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Bay Ho
San Diego, CA | San Diego County
Scored premium profile
Best Neighborhoods USA Index
51.8
Stability and Strength
65.6
Value Opportunity
49.5
Momentum
32.8
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | San Diego, CA |
| County | San Diego County |
| National rank | #6,998 of 14,967 |
| State rank | #802 of 1,814 |
| City rank | #35 of 111 |
| County rank | #69 of 170 |
| National percentile | 53.3 |
| National band | MIDDLE_50_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $1,258,089 |
| Year-over-year home value change | -1.8% |
| Month-over-month home value change | 0.05% |
| Home value to income ratio | 11.78 |
| Median household income | $106,810 |
| Bachelor's degree or higher | 57.4% |
| Civilian unemployment rate | 2.7% |
| Homeownership rate | 57.0% |
| Housing vacancy rate | 2.5% |
| Rent burden 30% or higher | 59.4% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Bay Ho
Is Bay Ho one of the best neighborhoods in San Diego?
Bay Ho has a Best Neighborhoods USA Index of 51.8 and a city ranking of #35 of 111 eligible neighborhoods in San Diego.
How much are homes worth in Bay Ho?
The current Zillow Home Value Index for Bay Ho is approximately $1,258,089.
Are home values rising or falling in Bay Ho?
Zillow neighborhood values changed -1.8% year over year and 0.05% month over month.
What is the Neighborhood Momentum Score for Bay Ho?
Bay Ho has a Neighborhood Momentum Score of 32.8. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Bay Ho?
The NDS-derived neighborhood median household income is approximately $106,810.
How affordable is Bay Ho relative to household income?
The current Zillow home-value-to-household-income ratio is 11.78. Price-to-income affordability is a major Value Opportunity input.
Is Bay Ho primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 57.0%.
What is the unemployment rate in Bay Ho?
The NDS-derived civilian unemployment rate is approximately 2.7%.
How educated are residents of Bay Ho?
Approximately 57.4% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Bay Ho face high rent burden?
Approximately 59.4% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Bay Ho?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications357
Estimated originations218
Home-purchase applications140
Origination rate61.0%
Home-purchase share39.3%
Average application loan$566,338
Total application loan amount$202,317,516
National application rank#916 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications 16.1% YoY; originations 21.5% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.