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City · 52,267 residents · Riverside County, California

Cathedral City , California

In Cathedral City, a typical home is worth $453,100 and typical rent is $1,601 a month. Compared with all of Riverside County, typical household income is 21% lower and the typical home value is 19% lower.

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  • Typical home value

    $453,100

    19% below the county

    38% below California

    • Cathedral City
    • Riverside
    • California

  • Typical rent

    $1,601a month

    16% below the county

    21% below California

    • Cathedral City
    • Riverside
    • California

  • Typical household income

    $73,572a year

    21% below the county

    26% below California

    • Cathedral City
    • Riverside
    • California

  • Households that own their home

    66%

    3 points below the county

    11 points above California

    • Cathedral City
    • Riverside
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$474,189
2.3% less than 12 months ago
Typical rent
$2,343 a month
6.4% more than 12 months ago

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

Cathedral City is in Riverside County. The FHA loan limit ($690,000 for a one-unit home), the fair market rents and the help on this page are those of all of Riverside County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cathedral City apart

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

  1. Nearby, in Garnet, the typical home value is $267,900: 41% less than in Cathedral City ($453,100).

  2. The typical household income in Cathedral City is $73,572, 21% less than in Riverside County as a whole ($93,074).

  3. The typical home in Cathedral City is worth $453,100, 19% less than in Riverside County as a whole ($557,300).

  4. The typical rent in Cathedral City is $1,601 a month, 16% less than in Riverside County as a whole ($1,901).

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

The homes here

Housing in Cathedral City

What homes there are in Cathedral City, 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

The detached house is still the most common home in Cathedral City, but it weighs less than in Riverside County: 56% against 69%.

Year built

In Cathedral City, half of the homes were built before 1988; in Riverside County, before 1990.

There are fewer big homes in Cathedral City than in Riverside County: 55% have 3 bedrooms or more, against 66%.

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

The FHA loan limit for Riverside County is $690,000, and about 83% of owner-occupied homes in Cathedral City are worth less than that.

Monthly rent with utilities

About 74% of rented homes in Cathedral City cost less than HUD's 2-bedroom fair market rent for Riverside County ($2,103).

With a mortgage

$2,221 a month

Riverside County: $2,583 a month

Without a mortgage

$875 a month

Riverside County: $781 a month

Owners with a mortgage

61%

Riverside County: 69%

The typical cost for an owner with a mortgage in Cathedral City is $2,221 a month, less than in Riverside County ($2,583); without one, $875.

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

Much as in Riverside County, the typical home value in Cathedral City rose 62% since 2015–2019.

The typical rent in Cathedral City rose 34% over the same time; in Riverside County, it rose 38%.

While home values in Cathedral City changed +62% and rent +34%, the typical household income rose 58%.

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

MeasureCathedral CityRiverside CountyCaliforniaUnited States
Rental vacancy 4.4%5.0%4.2%5.5%
Homeowner vacancy 1.7%1.0%0.8%0.9%
More than one person per room 7.8%7.8%8.2%3.4%
People per household 2.733.152.842.53
Drive alone 71%73%66%69%
Carpool 15%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 2%1%3%3%
Work from home 10%12%17%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Cathedral City, the rental vacancy rate is 4.4%, about the same as in Riverside County.

Much as in Riverside County, 7.8% of households in Cathedral City have more than one person per room.

On average, a household in Cathedral City has 2.73 people, fewer than in Riverside County (3.15).

More people carpool to work in Cathedral City than in Riverside County: 15% against 11%.

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 Cathedral City?

A typical home costs more than the typical income allows

We start with a typical home in Cathedral City, worth $453,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Cathedral City, which is $73,572 a year. For that payment to be 28% of income, a household would need to earn about $159,438 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cathedral City. 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 $15,859 (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

$3,720

at 7.18% · 30 years

Loan amount
$444,893
Total interest
$640,096
Paid off in
November 2056

Includes $7,652 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,717 a month

  • Tight

    $1,717 to $2,207 a month

  • Hard

    more than $2,207 a month

    Your payment · 61%

Compared with the typical household income in Cathedral City ($73,572 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,720
Principal & interest$3,014
Property tax$317
Home insurance$189
FHA mortgage insurance (MIP)$200

You need at least $15,859 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

Cathedral City and Riverside County

Cathedral City is in Riverside 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).

Cathedral City's own numbers

Typical home value
$453,100
Typical monthly rent
$1,601
Typical yearly household income
$73,572
Households that own their home
66%
Effective property tax rate
0.84%

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

Numbers for all of Riverside County

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,103
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.9%

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 Riverside County.

Everything about Riverside County

Buying

Buying a home in Cathedral City

A typical home in Cathedral City is worth $453,100: 19% below the county and 38% below California. With the typical household income in Cathedral City ($73,572 a year), a typical home costs 6.2 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.

  • Cathedral City 6.2 years
  • Riverside 6.0 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Riverside County

According to FHFA’s house price index, home prices in Riverside County rose 105% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +1.3% +0.8% +2.9%
5 years (2020–2025) +54% +40% +47%
10 years (2015–2025) +105% +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

Cathedral City next to Riverside 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
  • Cathedral City $453,100
  • Riverside $557,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Cathedral City $1,601
  • Riverside $1,901
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Cathedral City $73,572
  • Riverside $93,074
  • California $99,122
  • United States $80,734
See the full table
Cathedral City next to Riverside County and California
Measure Cathedral City Riverside County California U.S.
Typical home value $453,100 $557,300 $734,700 $332,700
Typical monthly rent $1,601 $1,901 $2,036 $1,413
Typical yearly household income $73,572 $93,074 $99,122 $80,734
Households that own their home 66% 69% 56% 65%
Typical yearly property tax $3,822 $4,348 $5,124 $3,119
Effective property tax rate 0.84% 0.78% 0.7% 0.94%
Renters with high rent for their income 63% 59% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Riverside 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 Cathedral City

For a typical $453,100 home in Cathedral City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cathedral City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,720a month

    Least cash to close
    Down payment
    $15,859
    Cash to close
    $29,452
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $200

  • Conventional, 5% down $3,637a month

    Down payment
    $22,655
    Cash to close
    $36,248
    Rate
    7.18%
    Mortgage insurance
    PMI · $215

  • Conventional, 20% down, no PMI $2,962a month

    Down payment
    $90,620
    Cash to close
    $104,213
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,380a month

    Down payment
    $67,965
    Cash to close
    $81,558
    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 Cathedral City and for Riverside County.

Property tax

Effective rate in Cathedral City

0.84%of the home’s value each year

$3,822 a year for the typical owner in Cathedral City.

  • Cathedral City 0.84%
  • Riverside 0.78%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Riverside County

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

Homes in the high-risk zone
1.9%
14,072
Of those, with NFIP insurance
16%
County California U.S.
Homes in the high-risk zone 1.9% 2.8% 3.5%
Of those, with NFIP insurance 16% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cathedral City

Typical rent in Cathedral City is $1,601 a month: 16% below the county. In Cathedral City, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Riverside County, by unit size. To pay the 2-bedroom one ($2,103 a month) without spending more than 30% of your income, you would need to earn $40.44 an hour working full time.

HUD fair market rent for all of Riverside 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 $1,605 $30.87 $64,200
1 bedroom $1,705 $32.79 $68,200
2 bedrooms $2,103 $40.44 $84,120
3 bedrooms $2,771 $53.29 $110,840
4 bedrooms $3,336 $64.15 $133,440

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 Cathedral City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cathedral City has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,990 in 92276 to $2,000 in 92234.

None is above the fair market rent for Riverside County ($2,103).

  • 92234 $2,000$2,640
  • 92276 $1,990$2,630

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cathedral City 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 Cathedral City

HUD lists 9 buildings with rents for lower incomes in Cathedral City. These are the largest.

  • Mountain View Apartments 68680 Dinah Shore Dr, Cathedral City 92234 280 homes, 276 low-income · 1 bd: 280 · In service since 2017 · For older adults
  • Park David Senior Apts 27700 Landau Blvd, Cathedral City 92234 241 homes, 240 low-income · 1 bd: 120 · 2 bd: 121 · In service since 2000 · For older adults
  • Creekside Apts (cathedral City) 68200 33rd Ave, Cathedral City 92234 185 homes, 184 low-income · 2 bd: 40 · 3 bd: 105 · 4 bd: 40 · In service since 2004 · For families
  • Heritage Park at Cathedral City 69100 McCallum Way, Cathedral City 92234 153 homes, 152 low-income · 1 bd: 144 · 2 bd: 9 · In service since 2004 · For older adults
  • Terracina at Cathedral City 69175 Converse Rd, Cathedral City 92234 80 homes, 79 low-income · 1 bd: 1 · 2 bd: 47 · 3 bd: 30 · 4 bd: 2 · In service since 2011 · For families

See all 214 buildings in Riverside County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cathedral City

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.

There are 9 HUD-approved agencies with an office in Riverside County; 7 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Cathedral City

No down payment, repair or rent-help program on our list is for Cathedral City or Riverside County. The ones below are statewide in California: they work in Cathedral City 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 Cathedral City

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

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

    190 W Amado Rd, Palm Springs · 5 miles away · Spanish

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

  • Coachella Valley Housing Coalition

    45701 Monroe St Ste G, Indio · 16 miles away · Spanish

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

  • Fair Housing Council of Riverside County, Inc.- Moreno Valley

    23890 Alessandro Blvd Ste A1, Moreno Valley · 45 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (951) 653-8314

Every agency in Riverside County All counseling agencies in California

Help in Spanish near Cathedral City

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 Cathedral City

HUD’s record names them for Cathedral City or Riverside County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Riverside Section 8 vouchers (951) 351-0700

All housing agencies in California Source: HUD

Cities

Other cities in Riverside County

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

Everything about Riverside County Housing in California
See 35 more cities in Riverside County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Cathedral City, with the typical home value.

Neighboring counties

If Riverside 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 Cathedral City.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Cathedral City

Short answers with the numbers for Cathedral City and all of Riverside 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 Cathedral City?

The typical home value in Cathedral City is $453,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Riverside County it is $557,300.

How much does it cost to rent in Cathedral City?

Typical rent in Cathedral City is $1,601 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Riverside County is $2,103.

What is the FHA loan limit in Cathedral City?

Cathedral City uses the FHA limit for all of Riverside County (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.

How much property tax do owners pay in Cathedral City?

The typical homeowner in Cathedral City pays $3,822 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Riverside County, the rate is 0.78%.

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

There are 9 HUD-approved counseling agencies with an office in Riverside County. 7 say they serve in Spanish. 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).