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City · 6,548 residents · Imperial County, California

Calipatria , California

In Calipatria, a typical home is worth $197,200 and typical rent is $919 a month. Compared with all of Imperial County, the typical home value is 36% lower, typical rent is 13% lower, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $197,200

    36% below the county

    73% below California

    • Calipatria
    • Imperial
    • California

  • Typical rent

    $919a month

    13% below the county

    55% below California

    • Calipatria
    • Imperial
    • California

  • Typical household income

    $53,299a year

    8% below the county

    46% below California

    • Calipatria
    • Imperial
    • California

  • Households that own their home

    64%

    7 points above the county

    8 points above California

    • Calipatria
    • Imperial
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$262,634
1.8% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Calipatria is in Imperial County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Imperial County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Calipatria apart

What this place has that others do not, from public data, most unusual first.

  1. Calipatria has the lowest typical home value of the 654 cities in California with more than 5,000 people: $197,200.

  2. Calipatria has the 4th lowest typical rent of the 648 cities in California with more than 5,000 people ($919).

  3. Calipatria has the 39th lowest typical household income of the 659 cities in California with more than 5,000 people ($53,299).

  4. 64% of households in Calipatria own their home, against 57% in Imperial County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Calipatria

What homes there are in Calipatria, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Calipatria, 7 in 10 homes are single-family detached houses; in Imperial County, 6.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,177 a month

Imperial County: $1,774 a month

Without a mortgage

$532 a month

Imperial County: $554 a month

Owners with a mortgage

44%

Imperial County: 59%

Owning costs less in Calipatria: with a mortgage, the typical cost is $1,177 a month; in Imperial County, $1,774. Without one, $532.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Calipatria stayed about the same since 2015–2019: the Census sees no clear change.

Much as in Imperial County, the typical rent in Calipatria rose 27% since 2015–2019.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCalipatriaImperial CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.3%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate9.9%8.2%3.4%
People per household 3.053.492.842.53
Drive alone 88%79%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate7%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Calipatria has 3.05 people, fewer than in Imperial County (3.49).

The car rules in Calipatria: 88% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Calipatria?

A typical home is tight for the typical income

We start with a typical home in Calipatria, worth $197,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Calipatria, which is $53,299 a year. For that payment to be 28% of income, a household would need to earn about $63,475 a year.

The calculator's FHA and conventional loan limits are those of all of Imperial County.

Your numbers

Local data
$

Starts at the typical home value in Calipatria. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,902 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,608

at 7.18% · 30 years

Loan amount
$193,628
Total interest
$278,586
Paid off in
November 2056

Includes $3,330 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,244 a month

  • Tight

    $1,244 to $1,599 a month

  • Hard

    more than $1,599 a month

    Your payment · 36%

Compared with the typical household income in Calipatria ($53,299 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,608
Principal & interest$1,312
Property tax$127
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,902 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Calipatria and Imperial County

Calipatria is in Imperial County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Calipatria's own numbers

Typical home value
$197,200
Typical monthly rent
$919
Typical yearly household income
$53,299
Households that own their home
64%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Imperial County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,347
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Imperial County.

Everything about Imperial County

Buying

Buying a home in Calipatria

A typical home in Calipatria is worth $197,200: 36% below the county and 73% below California. With the typical household income in Calipatria ($53,299 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Calipatria 3.7 years
  • Imperial 5.4 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Imperial County

According to FHFA’s house price index, home prices in Imperial County rose 109% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Imperial County.

Period County California U.S.
Last year (2025) +7.3% +0.8% +2.9%
5 years (2020–2025) +60% +40% +47%
10 years (2015–2025) +109% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Calipatria next to Imperial County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Calipatria $197,200
  • Imperial $309,600
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Calipatria $919
  • Imperial $1,056
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Calipatria $53,299
  • Imperial $57,681
  • California $99,122
  • United States $80,734
See the full table
Calipatria next to Imperial County and California
Measure Calipatria Imperial County California U.S.
Typical home value $197,200 $309,600 $734,700 $332,700
Typical monthly rent $919 $1,056 $2,036 $1,413
Typical yearly household income $53,299 $57,681 $99,122 $80,734
Households that own their home 64% 57% 56% 65%
Typical yearly property tax $1,734 $2,394 $5,124 $3,119

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Imperial County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Calipatria

For a typical $197,200 home in Calipatria, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Calipatria's rate.

  • FHA, 3.5% down $1,481a month

    Least cash to close
    Down payment
    $6,902
    Cash to close
    $12,818
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,445a month

    Down payment
    $9,860
    Cash to close
    $15,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $94

  • Conventional, 20% down, no PMI $1,151a month

    Down payment
    $39,440
    Cash to close
    $45,356
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,333a month

    Down payment
    $29,580
    Cash to close
    $35,496
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Calipatria and for Imperial County.

Flood risk in Imperial County

FEMA does not publish these numbers by city: they are for all of Imperial County.

Homes in the high-risk zone
1.4%
601
Of those, with NFIP insurance
4.2%
County California U.S.
Homes in the high-risk zone 1.4% 2.8% 3.5%
Of those, with NFIP insurance 4.2% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Calipatria

Typical rent in Calipatria is $919 a month: 13% below the county.

HUD publishes a fair market rent for all of Imperial County, by unit size. To pay the 2-bedroom one ($1,347 a month) without spending more than 30% of your income, you would need to earn $25.90 an hour working full time.

HUD fair market rent for all of Imperial County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $938 $18.04 $37,520
1 bedroom $1,030 $19.81 $41,200
2 bedrooms $1,347 $25.90 $53,880
3 bedrooms $1,819 $34.98 $72,760
4 bedrooms $2,251 $43.29 $90,040

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Calipatria

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Calipatria is in ZIP code 92233.

For 2 bedrooms it is $1,230: $117 less than the fair market rent for Imperial County ($1,347).

  • 92233 $1,230$1,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Calipatria when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Calipatria

HUD lists 2 buildings with rents for lower incomes in Calipatria. These are the largest.

  • Casa del Sol Family Apts 650 S International Blvd, Calipatria 92233 81 homes, 79 low-income · 2 bd: 41 · 3 bd: 40 · In service since 2001 · For families
  • Villa Esperanza 651 E Bonita Pl, Calipatria 92233 72 homes, 71 low-income · 1 bd: 8 · 2 bd: 32 · 3 bd: 32 · In service since 2008 · For families

See all 66 buildings in Imperial County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Calipatria

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Imperial County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Calipatria

No down payment, repair or rent-help program on our list is for Calipatria or Imperial County. The ones below are statewide in California: they work in Calipatria the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Calipatria

The HUD-approved agencies closest to the center of Calipatria, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Coachella Valley Housing Coalition

    45701 Monroe St Ste G, Indio · 57 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (760) 347-3157

  • Fair Housing Council of Riverside County, Inc.- Palm Springs

    190 W Amado Rd, Palm Springs · 76 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (760) 864-1541

  • Urban League of San Diego County

    4305 University Ave Ste 360, San Diego · 98 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (619) 266-6237

All counseling agencies in California

Help in Spanish near Calipatria

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Calipatria

In HUD’s record, no housing authority with an office in Imperial County is named for Calipatria or Imperial County.

2 other authorities have an office in Imperial County: see the list Source: HUD

Cities

Other cities in Imperial County

These cities are also in Imperial County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Imperial County Housing in California

Nearby cities

The cities closest to Calipatria, with the typical home value.

Neighboring counties

If Imperial County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Calipatria.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Calipatria

Short answers with the numbers for Calipatria and all of Imperial County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Calipatria?

The typical home value in Calipatria is $197,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Imperial County it is $309,600.

How much does it cost to rent in Calipatria?

Typical rent in Calipatria is $919 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Imperial County is $1,347.

What is the FHA loan limit in Calipatria?

Calipatria uses the FHA limit for all of Imperial County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Calipatria?

The typical homeowner in Calipatria pays $1,734 a year, according to the U.S. Census Bureau. That is Data not available for this place of the home’s value; in Imperial County, the rate is 0.77%.

Where can I find free help to buy or rent in Calipatria?

We found no HUD-approved counseling agencies with an office in Imperial County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).