Updated October 6, 2026
Point Loma is a hilly peninsula between San Diego Bay and the Pacific, with mostly single-family streets, bayfront marinas along Shelter Island, and ocean bluffs at Sunset Cliffs. Cabrillo National Monument anchors the south tip, and the former Naval Training Center at Liberty Station adds restored buildings, a public market and an arts district. Parts of the area sit under airport flight paths.
Homes in the 92106 ZIP sold for a median of $1,729,202 over the three months ending August 2026, typically in about 24 days (Redfin).
Selling at that price runs about $2,000 in fixed closing costs — county transfer tax and the natural hazard report — plus title and escrow, which scale with price, plus commission. At a 5% total commission that is roughly $88,000 all-in (estimate).
If you're planning to sell your home in Point Loma, the first thing to understand is that you aren't selling into one market. A bayfront house in La Playa, a cottage near the airport in Loma Portal and a cliff-top home by Sunset Cliffs share a name and sometimes a ZIP code, and very little else.
| Median sale price | $1,729,202 |
|---|---|
| Year over year | -8.5% |
| Median days on market | 24 days |
| Homes sold | 49 |
| Sale to list | 99.4% |
| Median $/sq ft | $960 |
Source: Redfin, ZIP 92106, August 2026 (three months ending August 2026). Retrieved Oct 6, 2026.
Redfin's Point Loma-only sample was too small, so these figures cover the 92106 ZIP.
Across San Diego County, detached homes are the tight half of a two-speed market: about 2.4 months of supply in the June 2026 SDAR data, against 4.0 months for condos and townhomes. Point Loma is overwhelmingly detached, so most sellers here are on the favorable side of that split.
On the ground it's uneven. Homes with a view, a quiet street and systems that have already been updated tend to draw a crowd the first weekend. Homes that need work, sit directly under the departure path or carry an unresolved permit question still sell, but to a smaller, more careful buyer who negotiates.
The practical takeaway: price against the right sub-area, not against "Point Loma." A comp from the other side of Rosecrans can be wildly off in either direction.
Point Loma is really a set of small neighborhoods stacked along a peninsula, and buyers shop them separately. These are the ones I price most differently.
The bay-facing streets near Shelter Island and the yacht clubs. Larger lots, older estates and some of the most valuable view corridors in the city. Buyers here are paying for water and privacy, and they compare against La Jolla and Coronado more than against the rest of Point Loma.
The western edge above the cliffs and the natural park. Ocean views and sunset exposure carry a clear premium — and so do bluff-top questions about erosion, drainage and what an inspector wants to see near the edge.
The hillside neighborhood known for its mature pines and eucalyptus, with winding streets and bay or downtown views from many lots. Custom homes and remodeled mid-century houses. View quality changes lot by lot, and value follows it.
Roseville is the older district near the water, long tied to San Diego's tuna fleet; Fleetridge is the hillside neighborhood above it, largely mid-century, with view lots. Steady family demand from move-up buyers who want a quieter Point Loma street.
The area closest to Liberty Station and the airport. Flatter lots, more approachable prices and real walkability, with aircraft noise as the tradeoff. Many homes here went through the airport's Quieter Home sound-insulation program — worth documenting if yours did.
Point Loma Heights, on the ocean side of the ridge, behaves like its own sub-market. I cover it with Ocean Beach, because that's what its buyers compare it against.
Point Loma buyers are unusually specific. Many are relocating on a fixed report date; many others are move-up buyers who already know the peninsula street by street. Both groups know exactly what they're looking for.
A hand-built Equity Update from Point Loma comps — not an algorithm. Three business days, free.
Much of Point Loma sits inside San Diego International Airport's influence area, and California requires sellers to disclose it. Buyers new to San Diego sometimes hear the first departure of the morning and panic. Get ahead of it: disclose clearly, include any Quieter Home Program paperwork, and invite buyers back at a busy hour rather than letting them discover it in escrow.
Clay sewer laterals, original electrical, marine-air corrosion on anything metal, and drainage on slope lots come up in almost every Point Loma inspection. I wrote about why I pre-inspect every Point Loma listing — finding these first is the difference between a line item and a renegotiation.
Converted garages, enclosed patios and added bathrooms are common in older Point Loma homes. Pull the permit history before you list. An unpermitted room still has value, just not the value of permitted square footage, and appraisers treat it that way.
Relocating buyers often have fixed report dates and VA financing. That's usually a gift — motivated, well-qualified buyers — but VA appraisals check minimum property requirements, so peeling paint, missing handrails or absent smoke detectors can hold up a closing. Handle the obvious ones before you list.
San Diego's 30-foot coastal height limit protects a lot of Point Loma views, but California doesn't give homeowners a legal right to one. Price the view you have today, not the one you hope stays forever.
I'll send you the most recent closed sales in your part of Point Loma — the three or four that genuinely compare to your home, with a note on why each sold where it did. Ask for your comps.
These are the spots I actually send people to when they ask what Point Loma is like. Nothing sponsored, no affiliate links — just places I'd go on a normal weekend.
view
I come up here for the lighthouse-end views over the bay and the city skyline, open daily from 9 to 5.
1800 Cabrillo Memorial Dr, San Diego, CA 92106
water
Low-tide tidepool walks on the rocky shore, best in late fall and winter when daytime tides run low.
1800 Cabrillo Memorial Dr, San Diego, CA 92106
park
Where I go for sunset along the bluffs, stairs down to small beaches and wide open ocean horizon.
Sunset Cliffs Blvd, San Diego, CA 92107
park
A mile of bayfront path with a fishing pier, picnic tables and views of the downtown skyline.
2200 Shelter Island Dr, San Diego, CA 92106
food
My stop for fish tacos and fresh catch at the counter, right by the sportfishing docks.
2805 Emerson St, San Diego, CA 92106
market
A daily indoor market with prepared food, produce, fish, beer and wine under one roof at Liberty Station.
2820 Historic Decatur Rd, Suite 140, San Diego, CA 92106
coffee
Craft coffee and toast by day, plus home goods and a bar, in a Liberty Station building.
2860 Sims Rd, San Diego, CA 92106
culture
Galleries, murals and public art around the old naval training center, with a current exhibit running into January 2027.
2710 Historic Decatur Rd, Ste 201, San Diego, CA 92106
water
Half-day and overnight fishing boats leave from the Point Loma docks all year.
1403 Scott St, San Diego, CA 92106
shopping
Walkable retail, restaurants and open lawns on the restored naval training center grounds.
2640 Historic Decatur Rd, San Diego, CA 92106
| Downtown San Diego | 15-25 min |
|---|---|
| San Diego International Airport | 8-15 min |
| UTC / Sorrento Valley job centers | 25-40 min |
Approximate drive times, off-peak. Longer at rush hour.
Fire. Redfin lists a moderate wildfire risk for 92106 with only 1 property likely affected over 30 years.
Flood. Redfin lists a minor flood risk for 92106 (23 properties likely severely affected over 30 years).
Other. Loma Portal and nearby streets lie near San Diego International Airport flight paths, so aircraft noise is a consideration. Sunset Cliffs has bluff erosion, which the City's park master plan lists as a management priority.
Sources: redfin.com · sandiego.gov · sandiego.gov
Every sale includes a Natural Hazard Disclosure report for the exact address. To check an address yourself:
Point Loma is a hilly peninsula between San Diego Bay and the Pacific, with mostly single-family streets, bayfront marinas along Shelter Island, and ocean bluffs at Sunset Cliffs. Cabrillo National Monument anchors the south tip, and the former Naval Training Center at Liberty Station adds restored buildings, a public market and an arts district. Parts of the area sit under airport flight paths. Local spots include Cabrillo National Monument, Cabrillo Tidepools, Sunset Cliffs Natural Park.
At the $1,729,202 median for the 92106 ZIP over the three months ending August 2026 (Redfin), fixed closing costs run about $2,000 — county transfer tax at $1.10 per $1,000 plus a natural hazard report around $125 — plus title and escrow, which scale with price. Add a 5% total commission and it is roughly $88,000 all-in. That is an estimate, not a quote.
Redfin lists a moderate wildfire risk for 92106 with only 1 property likely affected over 30 years. Redfin lists a minor flood risk for 92106 (23 properties likely severely affected over 30 years). Every sale includes a Natural Hazard Disclosure report for the exact address, and you can check any address yourself on the CAL FIRE and FEMA maps linked above.
It narrows the buyer pool more than it lowers values across the board. Homes directly under the departure path usually trade below comparable homes on quieter streets, and buyers who aren't used to it need to hear it before they commit. Clear disclosure and paperwork for any Quieter Home Program sound insulation help a lot.
California requires sellers to disclose when a property sits inside an airport influence area, the zone where aircraft noise and overflights are expected. Much of Point Loma is inside the area for San Diego International Airport, so most sellers here make this disclosure.
Partly. San Diego's 30-foot height limit in the coastal zone limits how tall new buildings can be, which protects many views. But California doesn't give homeowners a legal right to a view, so a neighbor's trees or an allowed remodel can still change one.
Often, yes. Relocation buyers are a big part of Point Loma's buyer pool and are usually well qualified. VA appraisals check minimum property requirements, so fixing obvious condition items before listing keeps the closing on schedule.
Generally the bayfront streets of La Playa and ocean-view homes near Sunset Cliffs sit at the top, with Wooded Area and Fleetridge view lots close behind. Loma Portal is usually the most approachable. Individual homes vary widely, which is why comps have to come from the same sub-area.
Tell me about the home and I'll build the number by hand from Point Loma comps. Your Equity Update lands within three business days — no drip campaign, no obligation. Prefer the full walkthrough? See the Equity Update page.
Neighborhood descriptions reflect Nate's experience selling in Point Loma and are general in nature — every home prices on its own comps. Nothing here is legal, tax, or insurance advice. Nate Higginbotham is a licensed California real estate salesperson, DRE #01993621, with Premier Agency. Equal Housing Opportunity.