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City · 11,062 residents · Kern County, California

East Bakersfield , California

In East Bakersfield, a typical home is worth $208,700 and typical rent is $1,090 a month. Compared with all of Kern County, typical household income is 45% lower, the typical home value is 38% lower, and the share of households that own their home is 42 points lower.

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  • Typical home value

    $208,700

    38% below the county

    72% below California

    • East Bakersfield
    • Kern
    • California

  • Typical rent

    $1,090a month

    16% below the county

    46% below California

    • East Bakersfield
    • Kern
    • California

  • Typical household income

    $38,644a year

    45% below the county

    61% below California

    • East Bakersfield
    • Kern
    • California

  • Households that own their home

    18%

    42 points below the county

    38 points below California

    • East Bakersfield
    • Kern
    • California

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

East Bakersfield is in Kern 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 Kern County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Bakersfield apart

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

  1. 18% of households in East Bakersfield own their home, against 60% in Kern County.

  2. East Bakersfield has the 3rd lowest typical home value of the 654 cities in California with more than 5,000 people ($208,700).

  3. East Bakersfield has the 5th lowest typical household income of the 659 cities in California with more than 5,000 people ($38,644).

  4. East Bakersfield has the 25th lowest typical rent of the 648 cities in California with more than 5,000 people ($1,090).

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

The homes here

Housing in East Bakersfield

What homes there are in East Bakersfield, 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

Detached houses are the majority in East Bakersfield (52%), but less so than in Kern County (72%).

Year built

Homes in East Bakersfield are older: the typical year built is 1969; in Kern County, 1984.

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

$1,682 a month

Kern County: $1,968 a month

Without a mortgage

$423 a month

Kern County: $631 a month

Owners with a mortgage

56%

Kern County: 66%

Owning costs less in East Bakersfield: with a mortgage, the typical cost is $1,682 a month; in Kern County, $1,968. Without one, $423.

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 Census does not compare East Bakersfield with 2015–2019 because its boundaries changed. In Kern County, over that time, the typical home value 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

MeasureEast BakersfieldKern CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.5%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 25.0%9.8%8.2%3.4%
People per household 3.503.122.842.53
Drive alone 79%78%66%69%
Carpool 11%11%10%9%
Public transit Unreliable estimate0%3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home Unreliable estimate8%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in East Bakersfield: 25.0% have more than one person per room; in Kern County, 9.8%.

On average, a household in East Bakersfield has 3.50 people, more than in Kern County (3.12).

In East Bakersfield, 79% of workers drive alone to work; in Kern County, 78%.

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 East Bakersfield?

A typical home costs more than the typical income allows

We start with a typical home in East Bakersfield, worth $208,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in East Bakersfield, which is $38,644 a year. For that payment to be 28% of income, a household would need to earn about $75,674 a year.

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

Your numbers

Local data
$

Starts at the typical home value in East Bakersfield. 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 $7,305 (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

$1,766

at 7.18% · 30 years

Loan amount
$204,919
Total interest
$294,831
Paid off in
November 2056

Includes $3,524 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $902 a month

  • Tight

    $902 to $1,159 a month

  • Hard

    more than $1,159 a month

    Your payment · 55%

Compared with the typical household income in East Bakersfield ($38,644 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,766
Principal & interest$1,388
Property tax$198
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,305 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

East Bakersfield and Kern County

East Bakersfield is in Kern 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).

East Bakersfield's own numbers

Typical home value
$208,700
Typical monthly rent
$1,090
Typical yearly household income
$38,644
Households that own their home
18%
Effective property tax rate
1.14%

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

Numbers for all of Kern County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,656
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
5%

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 Kern County.

Everything about Kern County

Buying

Buying a home in East Bakersfield

A typical home in East Bakersfield is worth $208,700: 38% below the county and 72% below California. With the typical household income in East Bakersfield ($38,644 a year), a typical home costs 5.4 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.

  • East Bakersfield 5.4 years
  • Kern 4.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kern County

According to FHFA’s house price index, home prices in Kern County rose 88% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +51% +40% +47%
10 years (2015–2025) +88% +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

East Bakersfield next to Kern 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
  • East Bakersfield $208,700
  • Kern $338,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • East Bakersfield $1,090
  • Kern $1,300
  • California $2,036
  • United States $1,413
Typical yearly household income
  • East Bakersfield $38,644
  • Kern $70,210
  • California $99,122
  • United States $80,734
See the full table
East Bakersfield next to Kern County and California
Measure East Bakersfield Kern County California U.S.
Typical home value $208,700 $338,300 $734,700 $332,700
Typical monthly rent $1,090 $1,300 $2,036 $1,413
Typical yearly household income $38,644 $70,210 $99,122 $80,734
Households that own their home 18% 60% 56% 65%
Typical yearly property tax $2,369 $2,984 $5,124 $3,119
Effective property tax rate 1.14% 0.88% 0.7% 0.94%
Renters with high rent for their income 57% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kern 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 East Bakersfield

For a typical $208,700 home in East Bakersfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Bakersfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,766a month

    Least cash to close
    Down payment
    $7,305
    Cash to close
    $13,566
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,727a month

    Down payment
    $10,435
    Cash to close
    $16,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,416a month

    Down payment
    $41,740
    Cash to close
    $48,001
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,609a month

    Down payment
    $31,305
    Cash to close
    $37,566
    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 East Bakersfield and for Kern County.

Property tax

Effective rate in East Bakersfield

1.14%of the home’s value each year

$2,369 a year for the typical owner in East Bakersfield.

  • East Bakersfield 1.14%
  • Kern 0.88%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Kern County

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

Homes in the high-risk zone
5%
12,851
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 5% 2.8% 3.5%
Of those, with NFIP insurance 20% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Bakersfield

Typical rent in East Bakersfield is $1,090 a month: 16% below the county. In East Bakersfield, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kern County, by unit size. To pay the 2-bedroom one ($1,656 a month) without spending more than 30% of your income, you would need to earn $31.85 an hour working full time.

HUD fair market rent for all of Kern 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 $1,265 $24.33 $50,600
1 bedroom $1,273 $24.48 $50,920
2 bedrooms $1,656 $31.85 $66,240
3 bedrooms $2,293 $44.10 $91,720
4 bedrooms $2,768 $53.23 $110,720

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 East Bakersfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Bakersfield is in ZIP code 93305.

For 2 bedrooms it is $1,530: $126 less than the fair market rent for Kern County ($1,656).

  • 93305 $1,530$2,120

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Bakersfield 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?

Free help

Help to buy or rent in East Bakersfield

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 Kern County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in East Bakersfield

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

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

  • Community Services and Employment Training, Inc. (CSET)

    312 NW 3rd Ave, Visalia · 69 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 1 more
    (559) 732-4194

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 70 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (559) 802-1664

  • Nid-Hca Palmdale

    520 W. Palmdale Blvd, Suite J, Palmdale · 73 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (661) 526-4013

All counseling agencies in California

Help in Spanish near East Bakersfield

1 of the 3 agencies on this list says it serves 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 East Bakersfield

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

  • Housing Authority of the County of Kern Public housing and Section 8 vouchers (661) 631-8500

All housing agencies in California Source: HUD

Cities

Other cities in Kern County

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

Everything about Kern County Housing in California
See 10 more cities in Kern County, with prices and rents

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

Nearby cities

The cities closest to East Bakersfield, with the typical home value.

Neighboring counties

If Kern 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 East Bakersfield.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about East Bakersfield

Short answers with the numbers for East Bakersfield and all of Kern 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 East Bakersfield?

The typical home value in East Bakersfield is $208,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kern County it is $338,300.

How much does it cost to rent in East Bakersfield?

Typical rent in East Bakersfield is $1,090 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kern County is $1,656.

What is the FHA loan limit in East Bakersfield?

East Bakersfield uses the FHA limit for all of Kern 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 East Bakersfield?

The typical homeowner in East Bakersfield pays $2,369 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Kern County, the rate is 0.88%.

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

We found no HUD-approved counseling agencies with an office in Kern 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).