In East Niles, a typical home is worth $251,500 and typical rent is $1,250 a month. Compared with all of Kern County, the typical home value is 26% lower and typical household income is 21% lower.
East Niles 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
What this place has that others do not, from public data, most unusual first.
1
East Niles has the 20th lowest typical home value of the 654 cities in California with more than 5,000 people ($251,500).
2
East Niles has the 36th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (69%).
3
Nearby, in East Bakersfield, the typical home value is $208,700: 17% less than in East Niles ($251,500).
4
The typical household income in East Niles is $55,124,21% less than in Kern County as a whole ($70,210).
5
12% of households in East Niles have no internet at home (6% in Kern County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in East Niles
What homes there are in East Niles, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
East Niles
Kern County
California
United States
Kind of home: East Niles and its comparisons
Measure
East Niles
Kern County
California
United States
Detached house
69%
72%
57%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
Unreliable estimate
8%
8%
8%
Apartments (5 or more)
Unreliable estimate
9%
24%
19%
Mobile home
17%
7%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in East Niles (69%), but less so than in Kern County (72%).
In East Niles there are many mobile homes: 17% of homes; in Kern County, 7%.
Year built
Before 19601960–19791980–19992000–20092010 or later
East Niles
Kern County
California
United States
Year built: East Niles and its comparisons
Measure
East Niles
Kern County
California
United States
Before 1960
29%
18%
27%
26%
1960–1979
31%
25%
29%
24%
1980–1999
21%
30%
25%
25%
2000–2009
15%
17%
11%
14%
2010 or later
4%
10%
8%
11%
Homes in East Niles are older: the typical year built is 1974; in Kern County, 1984.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K15%
$100K–$200K16%
$200K–$300K41%
$300K–$500K22%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: East Niles and its comparisons
Measure
East Niles
Under $100K
15%
$100K–$200K
16%
$200K–$300K
41%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 95% of owner-occupied homes in East Niles sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99919%
$1,000–$1,49948%
$1,500–$1,99922%
$2,000–$2,4997%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: East Niles and its comparisons
Measure
East Niles
Under $500
Unreliable estimate
$500–$999
19%
$1,000–$1,499
48%
$1,500–$1,999
22%
$2,000–$2,499
7%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,664 a month
Kern County: $1,968 a month
Without a mortgage
$587 a month
Kern County: $631 a month
Owners with a mortgage
60%
Kern County: 66%
Owning costs less in East Niles: with a mortgage, the typical cost is $1,664 a month; in Kern County, $1,968. Without one, $587.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
East NilesBoundaries changed
Kern County+58%
California+46%
United States+53%
Typical rent
East NilesBoundaries changed
Kern County+33%
California+36%
United States+33%
Typical household income
East NilesBoundaries changed
Kern County+32%
California+32%
United States+29%
Change since 2015–2019: East Niles and its comparisons
Measure
East Niles
Kern County
California
United States
Typical home value
Boundaries changed
+58%
+46%
+53%
Typical rent
Boundaries changed
+33%
+36%
+33%
Typical household income
Boundaries changed
+32%
+32%
+29%
The Census does not compare East Niles with 2015–2019 because its boundaries changed. In Kern County, over that time, the typical home value rose 58%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: East Niles and its comparisons
Measure
East Niles
Kern County
California
United States
Rental vacancy
Unreliable estimate
3.5%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
14.0%
9.8%
8.2%
3.4%
People per household
3.59
3.12
2.84
2.53
Drive alone
84%
78%
66%
69%
Carpool
10%
11%
10%
9%
Public transit
Unreliable estimate
0%
3%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
4%
8%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 14.0% of households in East Niles live, more than in Kern County (9.8%).
More people live in each home here: 3.59 on average, against 3.12 in Kern County.
In East Niles, 84% of workers drive alone to work; in Kern County, 78%.
Do the math
What would you pay each month for a home in East Niles?
A typical home costs more than the typical income allows
We start with a typical home in East Niles, worth $251,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in East Niles, which is $55,124 a year. For that payment to be 28% of income, a household would need to earn about $89,127 a year.
The calculator's FHA and conventional loan limits are those of all of Kern County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in East Niles. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,803 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,080
at 7.18% · 30 years
Loan amount
$246,944
Total interest
$355,295
Paid off in
November 2056
Includes $4,247 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,286 a month
Tight
$1,286 to $1,654 a month
Hard
more than $1,654 a month
Your payment · 45%
Compared with the typical household income in East Niles ($55,124 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,673
Property tax
$191
Home insurance
$105
FHA mortgage insurance (MIP)
$111
You need at least $8,803 for the down payment, plus closing costs.
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.
Total monthly payment $2,080; principal and interest $1,673.
The city and its county
East Niles and Kern County
East Niles 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 Niles
Map of Kern County, California, with East Niles marked. Around it, the neighboring counties.
East Niles
Kern County
Other cities with a page
East Niles's own numbers
Typical home value
$251,500
Typical monthly rent
$1,250
Typical yearly household income
$55,124
Households that own their home
59%
Effective property tax rate
0.91%
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.
A typical home in East Niles is worth $251,500: 26% below the county and 66% below California. With the typical household income in East Niles ($55,124 a year), a typical home costs 4.6 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 Niles4.6 years
Kern4.8 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Kern County, 2016 to 2025
2016: +3.0% +3.0% 2016
2017: +4.0% +4.0% 2017
2018: +5.1% +5.1% 2018
2019: +4.8% +4.8% 2019
2020: +5.3% +5.3% 2020
2021: +15.2% +15.2% 2021
2022: +17.1% +17.1% 2022
2023: +4.8% +4.8% 2023
2024: +4.7% +4.7% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Kern County, California and the United States
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 Niles 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 Niles$251,500
Kern$338,300
California$734,700
United States$332,700
Typical monthly rent
East Niles$1,250
Kern$1,300
California$2,036
United States$1,413
Typical yearly household income
East Niles$55,124
Kern$70,210
California$99,122
United States$80,734
See the full table
East Niles next to Kern County and California
Measure
East Niles
Kern County
California
U.S.
Typical home value
$251,500 ▼26% below the county
$338,300
$734,700
$332,700
Typical monthly rent
$1,250 ▼4% below the county
$1,300
$2,036
$1,413
Typical yearly household income
$55,124 ▼21% below the county
$70,210
$99,122
$80,734
Households that own their home
59% ▼2 points below the county
60%
56%
65%
Typical yearly property tax
$2,287 ▼23% below the county
$2,984
$5,124
$3,119
Effective property tax rate
0.91% ▲0.03 points above the county
0.88%
0.7%
0.94%
Renters with high rent for their income
69% ▲13 points above the county
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 Niles
For a typical $251,500 home in East Niles, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Niles's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,080a month
Least cash to close
Down payment
$8,803
Cash to close
$16,348
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,034a month
Down payment
$12,575
Cash to close
$20,120
Rate
7.18%
Mortgage insurance
PMI · $119
Conventional, 20% down, no PMI$1,659a month
Down payment
$50,300
Cash to close
$57,845
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,891a month
Down payment
$37,725
Cash to close
$45,270
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in East Niles
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,080
$8,803
$246,945
7.18%
FHA MIP · $111
$16,348
580
Conventional, 5% down
$2,034
$12,575
$238,925
7.18%
PMI · $119
$20,120
620*
Conventional, 20% down, no PMI
$1,659
$50,300
$201,200
7.18%
None
$57,845
620*
ITIN, 15% down (example)
$1,891
$37,725
$213,775
8.18%
None
$45,270
Set by the lender
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.
Typical rent in East Niles is $1,250 a month: 4% below the county. In East Niles, 69% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kern County (Fiscal year 2027)
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 Niles
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Niles has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,550 in 93307 to $1,700 in 93306.
1 of the 2 is above the fair market rent for Kern County ($1,656).
Fair market rent by ZIP code and size in East Niles, fiscal year 2027.
93306
$1,300
$1,310
$1,700
$2,350
$2,840
93307
$1,180
$1,190
$1,550
$2,150
$2,590
ZIP code2 bd3 bd
93306 $1,700$2,350
93307 $1,550$2,150
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Niles 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for East Niles or Kern County. The ones below are statewide in California: they work in East Niles the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for East Niles or Kern County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for East Niles 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 Niles?
The typical home value in East Niles is $251,500, 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 Niles?
Typical rent in East Niles is $1,250 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 Niles?
East Niles 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 Niles?
The typical homeowner in East Niles pays $2,287 a year, according to the U.S. Census Bureau. That is 0.91% 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 Niles?
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.
