El Cajon, CA—92019
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — El Cajon, CA
As of Oct '25, the median home price in El Cajon, CA is $846,000, with a year-over-year change of -1.7%. This indicates that home prices in El Cajon, CA are decreasing. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $846,000 | -1.7% |
| Single Family | $910,000 | -1.2% |
| Condos | $507,000 | -4.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $392,000 | -7.3% |
2 Bed | $524,000 | -3.7% |
3 Bed | $793,000 | -2.8% |
4 Bed | $1,058,000 | 0.0% |
| 5 Bed | $1,337,000 | -0.1% |
% of Housing Stock
Rental Trends — El Cajon, CA
As of July '25, Rentcast reports the average rent in El Cajon, CA is $2,730, with a year-over-year rent change of -6.8%. Per bedroom, the median rent as of July '25 in El Cajon, CA is 1-bedrooms: $2,160, 2-bedrooms: $2,600, 3-bedrooms: $3,420, 4-bedrooms: $4,900. The most common rental property sizes in El Cajon, CA are 2-bedroom and 3-bedroom, accounting for 40.2% and 23.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,560 | $2,730 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,290 | $2,160 |
| 2 Bed Rent | $2,630 | $2,600 |
| 3 Bed Rent | $3,330 | $3,420 |
| 4 Bed Rent | $4,800 | $4,900 |
% of Rental Stock
Property Listings — El Cajon, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in El Cajon, CA is 30. This is a increase of 8.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $732,000 | -9.0% |
Listing Count | 99 | 2.0% |
| Listings as % of Homes | 0.3% | 2.0% |
Days on Market | 30 | 8.0% |
Demographics — El Cajon, CA
As of the latest ACS Survey released in 2023, El Cajon, CA has a population of 45,800, which has increased by 8.0% over the past 5 years. El Cajon, CA is a moderately popular place for families, as children make up 22.2% of the population. The area has a moderately educated workforce, with 33.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 45,800 | 8.0% |
% Under 18 | 22.2% | 2.8% |
% Seniors | 18.4% | 7.6% |
% WFH | 13.6% | 88.9% |
% w/ College Degree | 33.6% | 0.3% |
As of the latest ACS Survey released in 2023, El Cajon, CA is a predominantly white area, with 66.8% of the population identifying as white. The white population has grown by 0.1% in the last 5 years. The second most common race or ethnicity in El Cajon, CA is hispanic, making up 21.3% of the population. Foreign-born residents account for 21.6% of the population in El Cajon, CA, and this percentage has increased by 1.4% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 66.8% | 0.1% |
% Black | 2.0% | -45.9% |
% Hispanic | 21.3% | -6.2% |
% Asian | 3.2% | 0.0% |
% Foreign Born | 21.6% | 1.4% |
Mortgage and Risk — El Cajon, CA
According to HUD data as of 2023, there were 452 mortgage originations in El Cajon, CA, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in El Cajon, CA. Investor activity is low, as 3.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 452 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — El Cajon, CA
As of 2024, the percent of homes in El Cajon, CA under the Section 8 program is 22.0%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in El Cajon, CA, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 1,146 |
Total Units Section 8 | 1,146 |
% Rentals under Section 8 | 22.0% |
% Occupied Section 8 | 80.7% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $90 | $2,290 | $2,380 |
| 2 Bedroom | $310 | $2,630 | $2,940 |
| 3 Bedroom | $600 | $3,330 | $3,930 |
| 4 Bedroom | -$10 | $4,800 | $4,790 |
Affordability — El Cajon, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.5 |
| Median Home Price | $846,000 |
| Median Household Income | $99,300 |