The median home in El Cajon, California is valued at $787,829, down 2.6% year over year. Typical monthly rent is $2,302, producing a price-to-rent ratio of 28.5x — well above the national average of 18x. El Cajon is part of the San Diego-Chula Vista-Carlsbad, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: San Diego-Chula Vista-Carlsbad, CA stress score, crash risk, and 12-month forecast →
Home Value$787,829
-2.6%
Rent$2,302/mo
AFFORDABILITYRenting $2,298/mo cheaper ($2,302 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for El Cajon.
$157,566 on $787,829
Out of reach — 73.6% of income
Need $197,143/yr to afford.
PITI$4,600
P/I73.6%
Afford$300K
Gap-$488K
P&I $3,984Tax $466Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
Compare El Cajon with other housing markets across California.
Full San Diego-Chula Vista-Carlsbad, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Diego-Chula Vista-Carlsbad, CA metro.
View San Diego-Chula Vista-Carlsbad, CA metro →