| Rudy Flores · (619) 392-6714 · Real Estate Strategist, Realtor® · CalDRE #02257808 · Responsible Broker CalDRE #01481919 Not affiliated with the U.S. Department of Veterans Affairs or any government agency. Your contact information will be shared with our preferred lender, Point Mortgage Corporation (NMLS #231073), so they can reach you about VA loan programs and any other loans, grants or assistance you may qualify for.
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Home Tools

See Your San Diego Equity Since You Bought

Served, and own a home in San Diego County? See an estimate of its value now, your equity and what a sale might net, based on what you paid and when.

HOME TOOLS · NOVEMBER 2026

Updated November 2026 ·

For veterans and service members who own in San Diego County, equity is often the biggest piece of the next move, whether that is orders, retirement or a bigger home. This estimator starts with your purchase price and moves it with Zillow's ZIP-level typical values.

Add the loan and it estimates principal paid, equity and a net after costs. Use it for planning, and ask Rudy for a value from recent nearby sales when the move gets closer.

Your purchase
Values are Zillow's typical value for the ZIP code, not for your street.
Uses Zillow's series for that home type when the ZIP code has one for your purchase month.
From 1985. Before 2000 the estimate chains FHFA's yearly ZIP index to Zillow.
Starts at Zillow's typical single-family value in 91913 for June 2016; use your own price.
Your loan
Pick the second choice if you refinanced or have a home equity line.
Used with the first choice. Enter 0 for a no-down-payment loan.
Blank uses the Freddie Mac average for the month you bought (15-year average for a 15-year term from August 1991).
The loan you took out when you bought.
Used with the second choice: from your latest statement; include any home equity line.
Today
Moves the range around the estimate, the same rule of thumb as the home value range tool.
Commission, escrow, title and transfer taxes, as a share of the price; commission is negotiable.
Leave at 0 to estimate it from your price and the State Board of Equalization's yearly factors.

Orders coming, or thinking about retirement or a move up? The Home Strategy Quiz has four questions; finish it and Rudy follows up with a plan.

Take the Home Strategy Quiz

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.

This is an estimate for planning, from Zillow's ZIP-wide typical values applied to your purchase price. It is not an appraisal, a broker price opinion, an offer, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender, appraiser or tax professional.

How the estimate works

  1. We take the typical value Zillow reports for your type of home and ZIP code, in your purchase month and in the newest month available.
  2. Your price is multiplied by the change, and condition sets how far the range reaches.
  3. For the original loan, the balance comes from steady fixed-rate monthly payments counted from the month after you bought.
  4. Midpoint minus balance gives equity; selling costs come off as well for a net before tax.
  5. The Prop 13 estimate applies each year's State Board of Equalization inflation factor to your price; none is above 2%.

Your Prop 13 value and Prop 19

Prop 13 keeps your taxable value close to your purchase price, raising it 2% a year at most, so owners who bought years ago often pay tax on much less than today's value.

Owners 55 or older who sell and buy again within California may be able to transfer that taxable value under Proposition 19. The replacement must be purchased within two years, the benefit can be used three times, and the assessor decides.

When retirement or a smaller home comes up, check the downsizing calculator.

Sources and dates

Questions owners ask

Can I use this to plan around orders?

Yes, as a first look at the value and equity you may have. For timing and steps, Rudy can map them out with you, and for a closer value he can review recent sales near your home, free.

Why might my home sell outside this range?

The range is built from a ZIP-wide index and a condition rule of thumb. Your lot, view and updates can move a real price beyond it, which comparable sales show.

My VA loan included the funding fee. What should I enter?

The starting loan here is just your price minus the down payment. If you financed the funding fee or refinanced, pick the second loan option and enter your balance from your statement.

Is the tax value my home's value?

No. That figure only sets your tax; it grows from your purchase price by no more than 2% annually. Your county bill shows the official amount.

More from Rudy

Want a Real Number?

Rudy will compare recent nearby sales with your estimate and help you plan for orders, retirement or a move up.

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