I-15 Corridor · San Diego County
4S Ranch & Del Sur
Newer master-planned neighborhoods west of I-15
Discover 4S Ranch & Del Sur
Living in 4S Ranch & Del Sur
4S Ranch and Del Sur sit next to each other west of I-15, between Rancho Bernardo and the San Dieguito River valley. 4S Ranch is an unincorporated community in San Diego County, and Del Sur is part of the City of San Diego.
Both were built mostly from the late 1990s on as master-planned communities, with parks, a town center and Poway Unified schools. Homes are newer and prices are among the highest along the I-15 corridor.
By the numbers
Typical home value, ZIP 92127 (4S Ranch, Del Sur)
$1,592,977
September 2026
2026 conforming loan limit, San Diego County
$1,104,000
One-unit home
2026 HECM reverse mortgage limit
$1,249,125
All areas
Sources: Zillow Home Value Index (typical home value), September 2026; FHFA 2026 conforming loan limits; HUD 2026 FHA and HECM loan limits. Typical values are estimates, not appraisals.
Featured neighborhoods
4S Ranch
Planned neighborhoods with parks, a sports park and a shopping center at its center.
Del Sur
Newer homes south and west of 4S Ranch, with trails, parks and a community center.
Santaluz
Gated golf community with larger lots, next to Del Sur.
Around the area
- 4S Ranch Sports Park and neighborhood parks
- Black Mountain Open Space Park
- Lake Hodges and the San Dieguito River Park trails
- Shopping and dining at the 4S Commons Town Center
- Poway Unified schools, including Del Norte High School
Local advice
What 4S Ranch & Del Sur buyers and homeowners ask me
Buying above the conforming limit
Typical values here are well above the $1,104,000 San Diego County conforming limit, so many purchases use jumbo financing. A larger down payment may change which loan options fit, depending on your situation.
Check for Mello-Roos and HOA dues
Many homes in 4S Ranch and Del Sur have special taxes (Community Facilities Districts, often called Mello-Roos) and HOA dues on top of the base property tax. Ask for the full tax bill so you know the real monthly cost.
Moving up or buying before you sell
If you already own a home and are moving here, a bridge loan or buy-before-you-sell program may let you buy first and sell after, subject to approval.
General information, not a loan offer. Not all borrowers will qualify. Subject to credit approval and program guidelines. Property tax details: California State Board of Equalization — Proposition 19.
Map of 4S Ranch & Del Sur
Questions about buying or owning in 4S Ranch & Del Sur?
Whether you're buying, staying, or thinking about a move, I'm happy to walk through the numbers with you. No pressure.
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Photo by Peard33 on Wikimedia Commons, Public domain.