The median home in El Centro, California is valued at $375,817, up 7.8% year over year. Typical monthly rent is $1,425, producing a price-to-rent ratio of 22x — well above the national average of 18x. El Centro is part of the El Centro, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$375,817

+7.8%

Rent$1,425/mo

Prices rising — worse for buyers.

Affordability

Enter your income for El Centro.

Income (annual)

Down Payment

$75,163 on $375,817

Example: $75,000 household income. Change it above to see your own.

Out of reach36.4% of income

Need $97,414/yr to afford.

PITI$2,273

P/I36.4%

Afford$289K

Gap-$86K

P&I $1,900Tax $222Ins $150

Renting $848/mo cheaper ($1,425 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare El Centro with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

Full El Centro, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the El Centro, CA metro.

View El Centro, CA metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.