Bay Terraces, San Diego, CA demographics:
population, income, and more

Total population
27,585
0.5% year-over-year change
Median household income
$96,724/yr
6.0% year-over-year change
Housing units
8,222
0.3% year-over-year change

Bay Terraces population

How many people live in Bay Terraces

Bay Terraces is home to 27,585 residents, according to the most recent Census data. Gender-wise, 49.4% of Bay Terraces locals are male, and 50.6% are female.

Total population
27,585
0.5% year-over-year change
Gender ratio
Male
49.4%
13,635
Female
50.6%
13,949
Value Percent YoY change
Male 13,635 49.4% 1.3%
Female 13,949 50.6% -0.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Bay Terraces is 38, with the population distributed as follows: about 18.4% are children under 15, then 12.9% are in the 15 to 24 age group. Adults between 25 and 44 make up 30.4% of the population, while another 23% fall into the 45 to 64 bracket. Finally, around 15.3% are 65 or older.

Median age
38
Age breakdown
Under 15
18.4%
15 to 24
12.9%
25 to 44
30.4%
45 to 64
23%
Over 65
15.3%
Value Percent YoY change
Under 15 5,081 18.4% 1.3%
15 to 24 3,559 12.9% -0.9%
25 to 44 8,377 30.4% 0.4%
45 to 64 6,341 23% -0.4%
Over 65 4,227 15.3% 2.0%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Bay Terraces, 67.1% of the population are US-born citizens, while 23.2% have gained naturalized citizenship. At the same time, 9.7% of residents are non-citizens. As for race, 17.8% of locals are Caucasian, 14% are African American and 26.6% have Asian roots. Another 0.9% are Indigenous American, 1.2% are Pacific Islanders, while 16.4% identify as another race. There’s also a share of 23.1% that includes residents with two or more races.

Citizenship
U.S.-born citizens
67.1%
Non-U.S.-born citizens
23.2%
Non-citizens
9.7%
Value Percent YoY change
U.S.-born citizens 18,510 67.1% 0.0%
Non-U.S.-born citizens 6,387 23.2% 2.1%
Non-citizens 2,687 9.7% -0.4%
Racial breakdown
White
17.8%
Black or African American
14%
American Indian and Alaska Native
0.9%
Asian
26.6%
Native Hawaiian and other Pacific Islander
1.2%
Two or more races
23.1%
Other
16.4%
Value Percent
White 4,921 17.8%
Black or African American 3,870 14%
American Indian and Alaska Native 251 0.9%
Asian 7,325 26.6%
Native Hawaiian and other Pacific Islander 329 1.2%
Two or more races 6,373 23.1%
Other 4,516 16.4%

Households in Bay Terraces

A peek inside Bay Terraces households

Bay Terraces has 7,854 households, with an average of 3 members in each. Of these, 82.3% are families, while the remaining 17.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
7,854
0.3% year-over-year change
Average people per household
3
Non-family households
1,393
Family households
6,461
Value Percent YoY change
Non-family households 1,393 17.7% -6.4%
Family households 6,461 82.3% 1.8%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Bay Terraces

The housing landscape of Bay Terraces

Bay Terraces's housing consists of 8,222 units, with 66.3% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 15.7% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 1.6% of the housing landscape.

Housing units
8,222
0.3% year-over-year change
Housing types
Value Percent
1 unit, detached 5,452 66.3%
1 unit, attached 1,293 15.7%
2 units 113 1.4%
3 or 4 units 222 2.7%
5 to 9 units 176 2.1%
10 to 19 units 318 3.9%
20 to 49 units 156 1.9%
50 or more units 359 4.4%
Mobile home 129 1.6%
Boat, RV, van, etc. 4 0%
Homes built since 2020
18
50.0% year-over-year change

The age of buildings in Bay Terraces

In Bay Terraces, the median construction year is 1976. About 1.9% of homes were built before the 1940s, with another 4.2% going up by 1949. Most development happened in the second half of the 20th century. Then, 4.4% of homes were added from 2000 to 2009, 2.2% between 2010 and 2019, and 0.2% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 157 1.9% -7.1%
Built between 1940 and 1949 343 4.2% 1.8%
Built between 1950 and 1959 1,501 18.2% -10.6%
Built between 1960 and 1969 1,039 12.6% -2.7%
Built between 1970 and 1979 1,754 21.3% -2.1%
Built between 1980 and 1989 2,269 27.6% 6.2%
Built between 1990 and 1999 599 7.3% 0.3%
Built between 2000 and 2009 366 4.4% 58.4%
Built between 2010 and 2019 178 2.2% 0.6%
Built in 2020 or later 18 0.2% 50.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Bay Terraces occupancy rates

Out of the 7,854 occupied housing units in Bay Terraces, 62.7% are owner-occupied, while 37.3% are lived in by tenants. Meanwhile, 4.5% of all homes on the local market sit vacant.

Occupied housing units
7,854
0.3% year-over-year change
Occupancy breakdown
Renter occupied
2,933
Owner occupied
4,921
Value Percent YoY
change
Renter occupied 2,933 37.3% 4.8%
Owner occupied 4,921 62.7% -2.3%
Unoccupied housing units
4.5%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Bay Terraces housing costs

Housing costs in Bay Terraces come to a median of $2,131 per month, while tenants specifically pay a median gross rent of $2,062.

Median housing costs per month
$2,131/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Bay Terraces
$2,062/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Bay Terraces

Bay Terraces education at a glance

About 37.5% of the population in Bay Terraces went to high school, while 24.6% pursued college studies. Another 8.9% earned an associate degree and 16.2% hold a bachelor’s. Meanwhile, 6% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 1,493 6.9% 0.5%
High school diploma 8,113 37.5% 0.3%
College diploma 5,315 24.6% -3.3%
Associate degree 1,931 8.9% 1.8%
Bachelor's degree 3,507 16.2% 3.4%
Graduate degree 1,291 6% 11.9%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Bay Terraces

How much people earn in Bay Terraces

The average annual household income in Bay Terraces was $113,019 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +4.1% change from the previous year. At the same time, the median income stood at $96,724, reflecting a +6% shift over the same period.

Average household income in Bay Terraces
$113,019/year
4.1% year-over-year change
Median household income in Bay Terraces
$96,724/year
6.0% year-over-year change

Bay Terraces income by age

In Bay Terraces, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $98,346. Those with someone between 45 and 64 in charge, often well established professionally, earn $106,368 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $57,776, while those led by someone over 65, many of whom may be retired, have about $84,324 in earnings. Overall, 89.9% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $57,776 -2.5%
25 - 44 $98,346 4.5%
45 - 64 $106,368 1.9%
Over 65 $84,324 9.8%
Above poverty level
24,353
Below poverty level
2,747
Value Percent YoY
change
Above poverty level 24,353 89.9% -0.5%
Below poverty level 2,747 10.1% 10.6%

Employment in Bay Terraces

Workforce and job types in Bay Terraces

74% of the working population are employed in professional or administrative positions, while 26% are in hands-on or service-based jobs. Also, 6.8% run their own businesses, 66.4% are employed by private companies, and 19.4% work in the public sector.

Workforce demographics

White collar
9,559
Blue collar
3,353
Value Percent YoY change
White collar 9,559 74% 1.4%
Blue collar 3,353 26% 2.0%
Employer type
Self employees
6.8%
Private companies
66.4%
Governmental workers
19.4%
Not for profit companies
7.4%
Value Percent YoY change
Self employees 873 6.8% 9.7%
Private companies 8,574 66.4% 0.7%
Governmental workers 2,510 19.4% -0.6%
Not for profit companies 955 7.4% 8.5%

Transportation in Bay Terraces

How people get around in Bay Terraces

In Bay Terraces, the average commute time is 17 minutes. Commuting methods vary: 96.1% of residents travel by personal vehicle and 0.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
17 min
-5.6% year-over-year change
Means of transportation
Value Percent YoY change
Car 11,286 96.1% 0.5%
Taxicab 27 0.2% 80.0%
Bus or trolleybus 268 2.3% 0.8%
Motorcycle 66 0.6% 4.8%
Bicycle 4 0% 0.0%
Walk 89 0.8% 43.5%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Bay Terraces by zipcode?

Zipcode Population Number of households Median income Average income
92114 65,745 18,407 $97,794 $113,640
92139 34,703 10,001 $95,653 $112,479

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FAQs about Bay Terraces demographics 

What is the total population of Bay Terraces?

Bay Terraces has a total population of 27,585 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.5% compared to a year ago.

What is the gender ratio in Bay Terraces?

The gender ratio in Bay Terraces is as follows:
  • 49.4% males (13,635 residents)
  • 50.6% females (13,949 residents)

What is the median age in Bay Terraces?

The median age in Bay Terraces is 38.

What is the age distribution of the population in Bay Terraces?

The age distribution in Bay Terraces is as follows:
  • Under 15: 18.4% (5,081 residents)
  • Ages 15-24: 12.9% (3,559 residents)
  • Ages 25-44: 30.4% (8,377 residents)
  • Ages 45-64: 23% (6,341 residents)
  • Over 65: 15.3% (4,227 residents)

What is the racial and ethnic makeup of Bay Terraces?

The racial and ethnic makeup of Bay Terraces is as follows:
  • White: 17.8% (4,921 residents)
  • Black or African American: 14% (3,870 residents)
  • American Indian and Alaska Native: 0.9% (251 residents)
  • Asian: 26.6% (7,325 residents)
  • Native Hawaiian and Other Pacific Islander: 1.2% (329 residents)
  • Two or More Races: 23.1% (6,373 residents)
  • Other: 16.4% (4,516 residents)

What percentage of the population in Bay Terraces are U.S.-born citizens?

U.S.-born citizens represent 67.1% of the population in Bay Terraces.

How many housing units are there in Bay Terraces?

There are 8,222 housing units in Bay Terraces, reflecting a +0.3% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Bay Terraces and what is the average household size?

Bay Terraces has a total of 7,854 households, with an average of 3 people in each.

What is the median household income in Bay Terraces?

Bay Terraces has a median household income of $96,724, representing a +6.0% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Bay Terraces?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 74% (9,559 residents)
  • Blue-collar workers: 26% (3,353 residents)

Places of employment:
  • Self-employed: 6.8% (873 residents)
  • Private companies: 66.4% (8,574 residents)
  • Governmental workers: 19.4% (2,510 residents)
  • Not-for-profit companies: 7.4% (955 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025