City Report · CA

El Cajon

Pop. 104,449·298th most expensive in California·Rental market data updated monthly for El Cajon, CA
Median rent (all units)
$2,275/mo
Year-over-Year
-2.0%
Month-over-Month
Stable
vs US Median
+$313
Stable (Monthly)
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Most AffordableMost Expensive
El Cajon · $2,275
More expensive than 72% of US cities · National median $1,962/mo
Rent Reality Score
75/100
Good value
OverheatedFairGreat value

Rents are 12% below what El Cajon's 10-year trend predicts — a better deal than its own history suggests.

Actual rent
$2,275/mo
Expected by trend
$2,595/mo
The Rent Reality Score compares today's median rent to where El Cajon's own long-run trajectory projects it should be. See the full rankings →
Medians by bedroom

Rent by unit size

Studio
$1,923
1 BR
$2,087
2 BR
$2,580
3 BR
$3,450
4 BR+
$4,200
Fair Market Rent (HUD)
$2,580/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $2,275 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$27,300/yr
At $2,275/mo median
Rent Market Meter
Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are softening (down 2.0% YoY), so renters have negotiating leverage.
Based on rent-price momentum (-2.0% YoY, -0.1% MoM), not inventory.
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Demographics

Who lives here

El Cajon, CA is majority renter-occupied, has a large share of families with children, 23% of residents hold a bachelor's degree or higher.

Population
104,449
Median income
$67,511
Median age
36.1
Renters
58.5%
Age distribution
25.6%
22.5%
25.7%
14.5%
Under 1825.6%
18–3422.5%
35–5425.7%
55–6411.8%
65+14.5%
Gender
49.5%
50.5%
Male49.5%
Female50.5%
Race & ethnicity
56.4%
29%
White56.4%
Black6.5%
Hispanic29%
Asian5.5%
Other2.7%
Education (25+)
15.6%
29.5%
31.9%
23%
No HS diploma15.6%
HS diploma29.5%
Some college31.9%
Bachelor's+23%
Housing tenure
41.5%
58.5%
Owner41.5%
Renter58.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How El Cajon, CA has changed in 5 years

Rent
$1,744 → $2,275
up 30.4%
Income
$58,193 → $67,511
up 16.0%
Population
106,043 → 104,449
down 1.5%
Renter share
58.5% → 58.5%
+0.0 pts
Bachelor's+
23.5% → 23%
-0.5 pts
Median age
34.8 → 36.1
+1.3 yrs

Since 2021, the typical rent in El Cajon, CA has climbed from $1,744 to $2,275, a 30.4% change over five years. Household income in the area moved from $58,193 to $67,511 across the same window, up 16.0% versus 2021. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has contracted by 1.5% since 2021, moving from about 106,043 residents to roughly 104,449. Reading these numbers side by side helps frame whether current listings in El Cajon, CA look reasonable against where the market sat half a decade ago.

Community

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View El Cajon rent history (2015–2026) →
Salary vs rent

Can you afford rent in El Cajon on your salary?

At $2,275/mo, how El Cajon rent compares to typical pay (30% rule).

By apartment size

El Cajon rent by bedroom count

Median rent for each apartment size in El Cajon. Click any size for full breakdown.

Local insights

Tips for renters in El Cajon

About renting in El Cajon, CA

Last updated: August 17, 2026

The median rent in El Cajon is $2,275/mo as of August 2026. A studio apartment averages $1,923/mo while a 2-bedroom runs $2,580/mo. One-bedroom apartments average $2,087/mo and 3-bedroom units go for $3,450/mo.

At 40% of local median household income ($67,511/yr), El Cajon ranks as moderate compared to the national benchmark of 30%. Rents have decreased 2.0% over the past year.

FAQ

Frequently asked questions

Is El Cajon an affordable city for renters?

El Cajon is considered moderate for renters. At $2,275/mo, rent takes approximately 40% of the local median household income ($67,511/yr). The standard benchmark is 30%. El Cajon slightly exceeds that threshold, so budgeting carefully matters here.

How much income do you need to rent in El Cajon?

To keep rent at or below 30% of gross income, you would need to earn at least $91,000/year (~$44/hour full-time) to afford the median rent of $2,275/mo in El Cajon. The local median household income is $67,511/yr, meaning the typical El Cajon household falls short of that threshold.

Is rent going up or down in El Cajon?

Rent in El Cajon has decreased 2.0% over the past year as of August 2026, offering some relief compared to 12 months ago.

Which El Cajon neighborhoods have the lowest rent?

The most affordable ZIP codes in El Cajon are 92021 ($2,126/mo), 92020 ($2,178/mo), and 92019 ($2,704/mo). Citywide, the median rent in El Cajon is $2,275/mo.

How does El Cajon rent compare to other cities in California?

El Cajon is one of the more affordable cities in California for rent, ranking #298 out of 381 tracked cities at $2,275/mo.

What percentage of El Cajon residents rent vs. own?

According to Census data, approximately 58.5% of El Cajon households are renters, while 41.5% are owner-occupied. With a majority renter population, El Cajon has a strong rental market.

How does El Cajon rent compare to the national average?

El Cajon's median rent of $2,275/mo is $313 (16%) above the US national median of $1,962/mo. Within California, it ranks #298 out of 381 tracked cities.
Income Affordability
40%
MODERATE

At $2,275/mo, rent takes ~40% of El Cajon's median household income ($67,511/yr). The standard benchmark is 30%.

El Cajon 40%Benchmark 30%
State income tax1–13.3%
Run the El Cajon affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near El Cajon, CA

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