City · 6,368 residents · Ventura County, California
El Rio, California
In El Rio, a typical home is worth $638,300 and typical rent is $2,089 a month. Compared with all of Ventura County, typical household income is 34% lower, the typical home value is 22% lower, and the share of households that own their home is 9 points lower.
El Rio is in Ventura County. The FHA loan limit ($1,035,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ventura County. See the county
What this place has that others do not, from public data, most unusual first.
1
El Rio has the 26th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (71%).
2
The typical household income in El Rio is $72,598,34% less than in Ventura County as a whole ($109,797).
3
The typical home in El Rio is worth $638,300,22% less than in Ventura County as a whole ($822,700).
4
Nearby, in Santa Paula, the typical rent is $1,736: 17% less than in El Rio ($2,089).
5
56% of households in El Rio own their home, against 65% in Ventura County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in El Rio
What homes there are in El Rio, 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
El Rio
Ventura County
California
United States
Kind of home: El Rio and its comparisons
Measure
El Rio
Ventura County
California
United States
Detached house
90%
63%
57%
61%
Attached house
Unreliable estimate
11%
7%
6%
Building of 2 to 4
Unreliable estimate
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
16%
24%
19%
Mobile home
Unreliable estimate
4%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in El Rio: 90% of homes, more than in Ventura County (63%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
El Rio
Ventura County
California
United States
Year built: El Rio and its comparisons
Measure
El Rio
Ventura County
California
United States
Before 1960
72%
15%
27%
26%
1960–1979
17%
41%
29%
24%
1980–1999
Unreliable estimate
28%
25%
25%
2000–2009
Unreliable estimate
11%
11%
14%
2010 or later
Unreliable estimate
6%
8%
11%
Homes in El Rio are older: the typical year built is 1956; in Ventura County, 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K17%
$500K–$750K51%
$750K–$1M25%
$1M or moreUnreliable
Value of owner-occupied homes: El Rio and its comparisons
Measure
El Rio
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable estimate
$300K–$500K
17%
$500K–$750K
51%
$750K–$1M
25%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: El Rio and its comparisons
Measure
El Rio
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,316 a month
Ventura County: $3,105 a month
Without a mortgage
$570 a month
Ventura County: $847 a month
Owners with a mortgage
76%
Ventura County: 69%
In El Rio, 76% of owners have a mortgage, and their typical cost is $2,316 a month, against $3,105 in Ventura County. Without one it drops to $570.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
El Rio+36%
Ventura County+40%
California+46%
United States+53%
Typical rent
El RioNo clear change
Ventura County+31%
California+36%
United States+33%
Typical household income
El RioNo clear change
Ventura County+25%
California+32%
United States+29%
Change since 2015–2019: El Rio and its comparisons
Measure
El Rio
Ventura County
California
United States
Typical home value
+36%
+40%
+46%
+53%
Typical rent
No clear change
+31%
+36%
+33%
Typical household income
No clear change
+25%
+32%
+29%
Homes in El Rio gained value more slowly than in Ventura County: 36% since 2015–2019, against 40%.
Since 2015–2019, the typical rent in El Rio did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: El Rio and its comparisons
Measure
El Rio
Ventura County
California
United States
Rental vacancy
Unreliable estimate
3.8%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.8%
0.9%
More than one person per room
16.3%
7.0%
8.2%
3.4%
People per household
3.91
2.94
2.84
2.53
Drive alone
85%
70%
66%
69%
Carpool
9%
10%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
6%
16%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 16.3% of households in El Rio live, more than in Ventura County (7.0%).
Households in El Rio are bigger: 3.91 people on average; in Ventura County, 2.94.
The car rules in El Rio: 85% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in El Rio?
A typical home costs more than the typical income allows
We start with a typical home in El Rio, worth $638,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 84% of the typical household income in El Rio, which is $72,598 a year. For that payment to be 28% of income, a household would need to earn about $218,452 a year.
The calculator's FHA and conventional loan limits are those of all of Ventura 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 El Rio. 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 $22,341 (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
$5,097
at 7.18% · 30 years
Loan amount
$626,738
Total interest
$901,729
Paid off in
November 2056
Includes $10,779 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,694 a month
Tight
$1,694 to $2,178 a month
Hard
more than $2,178 a month
Your payment · 84%
Compared with the typical household income in El Rio ($72,598 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,246
Property tax
$303
Home insurance
$266
FHA mortgage insurance (MIP)
$282
You need at least $22,341 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 $5,097; principal and interest $4,246.
The city and its county
El Rio and Ventura County
El Rio is in Ventura 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).
El Rio
Map of Ventura County, California, with El Rio marked. Around it, the neighboring counties.
El Rio
Ventura County
Other cities with a page
El Rio's own numbers
Typical home value
$638,300
Typical monthly rent
$2,089
Typical yearly household income
$72,598
Households that own their home
56%
Effective property tax rate
0.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ventura County
FHA limit, one-unit home
$1,035,000
Conventional limit, one unit
$1,035,000
HUD fair market rent, 2 bedrooms
$2,424
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.2%
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 Ventura County.
A typical home in El Rio is worth $638,300: 22% below the county and 13% below California. With the typical household income in El Rio ($72,598 a year), a typical home costs 8.8 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.
El Rio8.8 years
Ventura7.5 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ventura County
According to FHFA’s house price index, home prices in Ventura County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ventura County.
Yearly change in FHFA’s price index in Ventura County, 2016 to 2025
2016: +6.6% +6.6% 2016
2017: +5.3% +5.3% 2017
2018: +4.4% +4.4% 2018
2019: +2.9% +2.9% 2019
2020: +2.3% +2.3% 2020
2021: +11.3% +11.3% 2021
2022: +15.4% +15.4% 2022
2023: +4.1% +4.1% 2023
2024: +5.7% +5.7% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Ventura County, California and the United States
Period
County
California
U.S.
Last year (2025)
+2.0%
+0.8%
+2.9%
5 years (2020–2025)
+44%
+40%
+47%
10 years (2015–2025)
+78%
+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
El Rio next to Ventura 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
El Rio$638,300
Ventura$822,700
California$734,700
United States$332,700
Typical monthly rent
El Rio$2,089
Ventura$2,317
California$2,036
United States$1,413
Typical yearly household income
El Rio$72,598
Ventura$109,797
California$99,122
United States$80,734
See the full table
El Rio next to Ventura County and California
Measure
El Rio
Ventura County
California
U.S.
Typical home value
$638,300 ▼22% below the county
$822,700
$734,700
$332,700
Typical monthly rent
$2,089 ▼10% below the county
$2,317
$2,036
$1,413
Typical yearly household income
$72,598 ▼34% below the county
$109,797
$99,122
$80,734
Households that own their home
56% ▼9 points below the county
65%
56%
65%
Typical yearly property tax
$3,608 ▼35% below the county
$5,574
$5,124
$3,119
Effective property tax rate
0.57% ▼0.11 points below the county
0.68%
0.7%
0.94%
Renters with high rent for their income
71% ▲12 points above the county
59%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ventura 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 El Rio
For a typical $638,300 home in El Rio, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, El Rio's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,097a month
Least cash to close
Down payment
$22,341
Cash to close
$41,490
Rate
7.18%
Mortgage insurance
FHA MIP · $282
Conventional, 5% down$4,980a month
Down payment
$31,915
Cash to close
$51,064
Rate
7.18%
Mortgage insurance
PMI · $303
Conventional, 20% down, no PMI$4,028a month
Down payment
$127,660
Cash to close
$146,809
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,619a month
Down payment
$95,745
Cash to close
$114,894
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in El Rio
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,097
$22,341
$626,739
7.18%
FHA MIP · $282
$41,490
580
Conventional, 5% down
$4,980
$31,915
$606,385
7.18%
PMI · $303
$51,064
620*
Conventional, 20% down, no PMI
$4,028
$127,660
$510,640
7.18%
None
$146,809
620*
ITIN, 15% down (example)
$4,619
$95,745
$542,555
8.18%
None
$114,894
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 El Rio is $2,089 a month: 10% below the county. In El Rio, 71% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ventura County, by unit size. To pay the 2-bedroom one ($2,424 a month) without spending more than 30% of your income, you would need to earn $46.62 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 Ventura County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,827
$35.13
$73,080
1 bedroom
$2,035
$39.13
$81,400
2 bedrooms
$2,424
$46.62
$96,960
3 bedrooms
$3,287
$63.21
$131,480
4 bedrooms
$3,816
$73.38
$152,640
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 El Rio
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). El Rio is in ZIP code 93036.
For 2 bedrooms it is $2,370: $54 less than the fair market rent for Ventura County ($2,424).
Fair market rent by ZIP code and size in El Rio, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
93036
$1,800
$2,000
$2,370
$3,190
$3,710
ZIP code2 bd3 bd
93036 $2,370$3,190
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for El Rio 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.
There are 2 HUD-approved agencies with an office in Ventura County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for El Rio or Ventura County. The ones below are statewide in California: they work in El Rio 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 El Rio or Ventura 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 El Rio and all of Ventura 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 El Rio?
The typical home value in El Rio is $638,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ventura County it is $822,700.
How much does it cost to rent in El Rio?
Typical rent in El Rio is $2,089 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ventura County is $2,424.
What is the FHA loan limit in El Rio?
El Rio uses the FHA limit for all of Ventura County (2026): $1,035,000 for a one-unit home and $1,990,450 for a four-unit home.
How much property tax do owners pay in El Rio?
The typical homeowner in El Rio pays $3,608 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Ventura County, the rate is 0.68%.
Where can I find free help to buy or rent in El Rio?
There are 2 HUD-approved counseling agencies with an office in Ventura County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
