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El Centro city, CA

ZIP 92243 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92243

Median Home Value
$286,100
Median Rent
$828
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,838/mo PITI).

18%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

28.8 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 92243 in El Centro city, CA, a household would need roughly $79,000 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 $1,838. That is about 41% above the local median household income ($55,890), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
51.5%-21% vs US avg
x
Vacancy Rate
12.1%+18% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
21.1%-58% vs US avg
x
Mortgage-Free
39.4%+3% vs US avg
x
$286,100
Home Value
$828
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached53.4%
  • 1-unit attached2.9%
  • 2-9 units17.8%
  • 10+ units14.1%
  • Mobile home & other11.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$286,100
Median rent$828
Owner-occupied51.5%
Vacant12.1%
Price-to-income5.1x
Est. income to buy$79,000