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City · 13,129 residents · Riverside County, California

El Sobrante (Riverside County), California

In El Sobrante, a typical home is worth $836,300 and typical rent is $2,880 a month. Compared with all of Riverside County, typical household income is 78% higher, typical rent is 51% higher, and the share of households that own their home is 23 points higher.

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  • Typical home value

    $836,300

    50% above the county

    14% above California

    • El Sobrante
    • Riverside
    • California

  • Typical rent

    $2,880a month

    51% above the county

    41% above California

    • El Sobrante
    • Riverside
    • California

  • Typical household income

    $165,682a year

    78% above the county

    67% above California

    • El Sobrante
    • Riverside
    • California

  • Households that own their home

    92%

    23 points above the county

    36 points above California

    • El Sobrante
    • Riverside
    • California

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

El Sobrante 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 El Sobrante apart

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

  1. The typical household income in El Sobrante is $165,682, 78% more than in Riverside County as a whole ($93,074).

  2. El Sobrante has the 11th highest homeownership rate of the 652 cities in California with more than 5,000 people (92%).

  3. The typical rent in El Sobrante is $2,880 a month, 51% more than in Riverside County as a whole ($1,901).

  4. The typical home in El Sobrante is worth $836,300, 50% more than in Riverside County as a whole ($557,300).

  5. Nearby, in El Cerrito, the typical rent is $1,787: 38% less than in El Sobrante ($2,880).

  6. Nearby, in Home Gardens, the typical home value is $538,700: 36% less than in El Sobrante ($836,300).

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

The homes here

Housing in El Sobrante

What homes there are in El Sobrante, 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 El Sobrante, 10 in 10 homes are single-family detached houses; in Riverside County, 7.

Year built

Homes in El Sobrante are newer: the typical year built is 2001; in Riverside County, 1990.

There is more room for a big family here: 98% of homes have 3 bedrooms or more, against 66% in Riverside County.

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

$3,507 a month

Riverside County: $2,583 a month

Without a mortgage

$1,140 a month

Riverside County: $781 a month

Owners with a mortgage

86%

Riverside County: 69%

The typical cost for an owner with a mortgage in El Sobrante is $3,507 a month, more than in Riverside County ($2,583); without one, $1,140.

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

From 2015–2019 to 2020–2024, the typical home value in El Sobrante rose 52%; in Riverside County, it rose 59%.

Rents in El Sobrante rose more slowly than in Riverside County: 27% since 2015–2019, against 38%.

While home values in El Sobrante changed +52% and rent +27%, the typical household income rose 38%.

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

MeasureEl SobranteRiverside CountyCaliforniaUnited States
Rental vacancy Unreliable estimate5.0%4.2%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate7.8%8.2%3.4%
People per household 3.473.152.842.53
Drive alone 75%73%66%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 19%12%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in El Sobrante has 3.47 people, more than in Riverside County (3.15).

Many people here do not commute at all: 19% work from home; in Riverside County, 12%.

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 El Sobrante?

A typical home costs more than the typical income allows

We start with a typical home in El Sobrante, worth $836,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in El Sobrante, which is $165,682 a year. For that payment to be 28% of income, a household would need to earn about $296,371 a year. Note: at that price the loan is above the FHA limit for Riverside County ($690,000), so FHA would not insure it; the payment is only a reference.

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 El Sobrante. 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 $29,271 (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

$6,915

at 7.18% · 30 years

Loan amount
$821,152
Total interest
$1,181,445
Paid off in
November 2056

Includes $14,123 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,866 a month

  • Tight

    $3,866 to $4,970 a month

  • Hard

    more than $4,970 a month

    Your payment · 50%

Compared with the typical household income in El Sobrante ($165,682 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,915
Principal & interest$5,563
Property tax$634
Home insurance$349
FHA mortgage insurance (MIP)$370

This loan is over the FHA limit

You'd borrow $807,029, but the FHA limit for a one-unit home in El Sobrante is $690,000. You'd need a bigger down payment or a different loan.

You need at least $29,271 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

El Sobrante and Riverside County

El Sobrante 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).

El Sobrante's own numbers

Typical home value
$836,300
Typical monthly rent
$2,880
Typical yearly household income
$165,682
Households that own their home
92%
Effective property tax rate
0.91%

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 El Sobrante

A typical home in El Sobrante is worth $836,300: 50% above the county and 14% above California. With the typical household income in El Sobrante ($165,682 a year), a typical home costs 5.0 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 Sobrante 5.0 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

El Sobrante 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
  • El Sobrante $836,300
  • Riverside $557,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • El Sobrante $2,880
  • Riverside $1,901
  • California $2,036
  • United States $1,413
Typical yearly household income
  • El Sobrante $165,682
  • Riverside $93,074
  • California $99,122
  • United States $80,734
See the full table
El Sobrante next to Riverside County and California
Measure El Sobrante Riverside County California U.S.
Typical home value $836,300 $557,300 $734,700 $332,700
Typical monthly rent $2,880 $1,901 $2,036 $1,413
Typical yearly household income $165,682 $93,074 $99,122 $80,734
Households that own their home 92% 69% 56% 65%
Typical yearly property tax $7,635 $4,348 $5,124 $3,119
Effective property tax rate 0.91% 0.78% 0.7% 0.94%
Renters with high rent for their income 59% 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 El Sobrante

For a typical $836,300 home in El Sobrante, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, El Sobrante's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,915a month

    Above the FHA limit for Riverside County ($690,000)
    Down payment
    $29,271
    Cash to close
    $54,360
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $370

  • Conventional, 5% down $6,762a month

    Least cash to close
    Down payment
    $41,815
    Cash to close
    $66,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $397

  • Conventional, 20% down, no PMI $5,515a month

    Down payment
    $167,260
    Cash to close
    $192,349
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,288a month

    Down payment
    $125,445
    Cash to close
    $150,534
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 El Sobrante and for Riverside County.

Property tax

Effective rate in El Sobrante

0.91%of the home’s value each year

$7,635 a year for the typical owner in El Sobrante.

  • El Sobrante 0.91%
  • 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 El Sobrante

Typical rent in El Sobrante is $2,880 a month: 51% above the county. In El Sobrante, 59% 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 El Sobrante

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). El Sobrante is in ZIP code 92503.

For 2 bedrooms it is $2,270: $167 more than the fair market rent for Riverside County ($2,103).

  • 92503 $2,270$2,990

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 Sobrante 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 El Sobrante

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in El Sobrante

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

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

  • USA Homeownership Foundation DBA Veterans Association of Real Estate Professional

    495 E Rincon St Ste 110, Corona · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (888) 273-7267

  • Carolyn E. Wylie Center for Children, Youth and Families

    4164 Brockton Ave, Riverside · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (951) 683-5193

  • Fair Housing Council of Riverside County, Inc

    3933 Mission Inn Ave, Riverside · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (951) 682-6581

Every agency in Riverside County All counseling agencies in California

Help in Spanish near El Sobrante

2 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 El Sobrante

HUD’s record names them for El Sobrante 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 El Sobrante, 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 El Sobrante.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about El Sobrante

Short answers with the numbers for El Sobrante 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 El Sobrante?

The typical home value in El Sobrante is $836,300, 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 El Sobrante?

Typical rent in El Sobrante is $2,880 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 El Sobrante?

El Sobrante 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 El Sobrante?

The typical homeowner in El Sobrante pays $7,635 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Riverside County, the rate is 0.78%.

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

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).