El Centro, CA home prices
Typical home $382,009 · +4.7% in a year · income needed $106,800
The El Centro, CA metro area ranks 181 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.7% in a year and +31.7% over five years. With 20% down at 7.11%, the typical home costs about $2,493 a month including 0.77% property tax (Imperial County rate).
Mortgage on the typical El Centro home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,402 | $305,607 | $2,056 | $0 | $437 | $2,493 | $106,800 |
| 10% down | $38,201 | $343,808 | $2,313 | $143 | $437 | $2,893 | $124,000 |
| 5% down | $19,100 | $362,909 | $2,441 | $151 | $437 | $3,030 | $129,800 |
| 3.5% down (FHA) | $13,370 | $375,090 | $2,523 | $169 | $437 | $3,129 | $134,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the El Centro area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Imperial County, CA | $382,001 | +4.7% | 0.77% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in El Centro?
The typical home in the El Centro, CA metro area is worth $382,009 (Zillow, September 2026).
What salary do you need to buy a house in El Centro?
About $106,800 a year for the typical home with 20% down at 7.11%.