Market Overview
Home Prices in El Centro, CA
The median home value in El Centro, CA is $390,914 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.5% compared to a year ago and up 5.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in El Centro are priced5% below average. El Centro is part of the El Centro, CA metro area.
Over the past five years, El Centro home values have risen by approximately38.4%, reflecting strong long-term appreciation in this market.
Price History
El Centro Home Price Trend
City Comparison
El Centro vs. National Median
At $390,914, homes in El Centro cost 5% below the national median of $410,000. This makes El Centro a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in El Centro?
20% Down Payment
$78,183
on $390,914
Monthly P&I
$2,039/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,590/mo
incl. taxes & insurance
Income Needed
$103,600
gross annual (30% rule)
10% Down Option
$39,091
+ PMI applies
Loan Amount (20% dn)
$312,731
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in El Centro, CA?
The median home value in El Centro is $390,914 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.5% year-over-year.
How much have home prices changed in El Centro?
Over the past year, home values in El Centro have increased by 7.5%. Over five years, prices have risen approximately 38.4%.
How much do I need to earn to buy a home in El Centro?
To comfortably afford the median home price of $390,914 with a 20% down payment ($78,183) at today's rates (6.8%), you'd need a gross annual income of approximately $103,600. This assumes keeping total housing costs at or below 30% of gross income.
How does El Centro compare to the national average home price?
The national median home value is approximately $410,000. At $390,914, homes in El Centro are 5% below the national average.
What metro area is El Centro part of?
El Centro is part of the El Centro, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.