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El Cajon city, CA

ZIP 92020 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92020

Median Home Value
$741,600
Median Rent
$1,676
Affordability Snapshot
$204,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,764/mo PITI).

28%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

10.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 92020 in El Cajon city, CA, a household would need roughly $204,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,764. That is about 180% above the local median household income ($72,822), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
43.1%-34% vs US avg
x
Vacancy Rate
4.0%-62% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
36.0%-28% vs US avg
x
Mortgage-Free
28.7%-25% vs US avg
x
$741,600
Home Value
$1,676
Rent
1973
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached42.1%
  • 1-unit attached5.7%
  • 2-9 units13.1%
  • 10+ units37.1%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$741,600
Median rent$1,676
Owner-occupied43.1%
Vacant4.0%
Price-to-income10.2x
Est. income to buy$204,000