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City · 7,312 residents · Imperial County, California

Heber , California

In Heber, a typical home is worth $335,600 and typical rent is $1,086 a month. Compared with all of Imperial County, typical household income is 25% higher, the typical home value is 8% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $335,600

    8% above the county

    54% below California

    • Heber
    • Imperial
    • California

  • Typical rent

    $1,086a month

    3% above the county

    47% below California

    • Heber
    • Imperial
    • California

  • Typical household income

    $72,028a year

    25% above the county

    27% below California

    • Heber
    • Imperial
    • California

  • Households that own their home

    68%

    11 points above the county

    12 points above California

    • Heber
    • Imperial
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$400,258
4.6% more than 12 months ago

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

Heber is in Imperial 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 Imperial County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Heber apart

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

  1. Heber has the 23rd lowest typical rent of the 648 cities in California with more than 5,000 people ($1,086).

  2. Nearby, in Holtville, the typical rent is $861: 21% less than in Heber ($1,086).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Heber rose 4.6%; in California, it rose 0.6%.

  4. The typical household income in Heber is $72,028, 25% more than in Imperial County as a whole ($57,681).

  5. 68% of households in Heber own their home, against 57% in Imperial County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Heber

What homes there are in Heber, 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 the most common home in Heber: 60% of homes, near the figure in Imperial County (62%).

Year built

Homes in Heber are newer: the typical year built is 1998; in Imperial County, 1988.

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

$2,067 a month

Imperial County: $1,774 a month

Without a mortgage

$593 a month

Imperial County: $554 a month

Owners with a mortgage

53%

Imperial County: 59%

Owning costs more in Heber: with a mortgage, the typical cost is $2,067 a month; in Imperial County, $1,774. Without one, $593.

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 Heber with 2015–2019 because its boundaries changed. In Imperial 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

MeasureHeberImperial CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.3%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate9.9%8.2%3.4%
People per household 4.033.492.842.53
Drive alone 88%79%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate7%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Heber are bigger: 4.03 people on average; in Imperial County, 3.49.

To get to work, 88% of workers in Heber drive alone; in Imperial County, 79%.

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 Heber?

A typical home costs more than the typical income allows

We start with a typical home in Heber, worth $335,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Heber, which is $72,028 a year. For that payment to be 28% of income, a household would need to earn about $117,493 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Heber. 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 $11,746 (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

$2,741

at 7.18% · 30 years

Loan amount
$329,521
Total interest
$474,104
Paid off in
November 2056

Includes $5,667 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,681 a month

  • Tight

    $1,681 to $2,161 a month

  • Hard

    more than $2,161 a month

    Your payment · 46%

Compared with the typical household income in Heber ($72,028 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,741
Principal & interest$2,232
Property tax$221
Home insurance$140
FHA mortgage insurance (MIP)$148

You need at least $11,746 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

Heber and Imperial County

Heber is in Imperial 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).

Heber's own numbers

Typical home value
$335,600
Typical monthly rent
$1,086
Typical yearly household income
$72,028
Households that own their home
68%
Effective property tax rate
0.79%

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

Numbers for all of Imperial County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,347
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1.4%

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 Imperial County.

Everything about Imperial County

Buying

Buying a home in Heber

A typical home in Heber is worth $335,600: 8% above the county and 54% below California. With the typical household income in Heber ($72,028 a year), a typical home costs 4.7 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.

  • Heber 4.7 years
  • Imperial 5.4 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Imperial County

According to FHFA’s house price index, home prices in Imperial County rose 109% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +7.3% +0.8% +2.9%
5 years (2020–2025) +60% +40% +47%
10 years (2015–2025) +109% +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

Heber next to Imperial 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
  • Heber $335,600
  • Imperial $309,600
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Heber $1,086
  • Imperial $1,056
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Heber $72,028
  • Imperial $57,681
  • California $99,122
  • United States $80,734
See the full table
Heber next to Imperial County and California
Measure Heber Imperial County California U.S.
Typical home value $335,600 $309,600 $734,700 $332,700
Typical monthly rent $1,086 $1,056 $2,036 $1,413
Typical yearly household income $72,028 $57,681 $99,122 $80,734
Households that own their home 68% 57% 56% 65%
Typical yearly property tax $2,653 $2,394 $5,124 $3,119
Effective property tax rate 0.79% 0.77% 0.7% 0.94%
Renters with high rent for their income 45% 53% 55% 51%

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

For a typical $335,600 home in Heber, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Heber's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,741a month

    Least cash to close
    Down payment
    $11,746
    Cash to close
    $21,814
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $148

  • Conventional, 5% down $2,680a month

    Down payment
    $16,780
    Cash to close
    $26,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $159

  • Conventional, 20% down, no PMI $2,180a month

    Down payment
    $67,120
    Cash to close
    $77,188
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,490a month

    Down payment
    $50,340
    Cash to close
    $60,408
    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 Heber and for Imperial County.

Property tax

Effective rate in Heber

0.79%of the home’s value each year

$2,653 a year for the typical owner in Heber.

  • Heber 0.79%
  • Imperial 0.77%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Imperial County

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

Homes in the high-risk zone
1.4%
601
Of those, with NFIP insurance
4.2%
County California U.S.
Homes in the high-risk zone 1.4% 2.8% 3.5%
Of those, with NFIP insurance 4.2% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Heber

Typical rent in Heber is $1,086 a month: 3% above the county. In Heber, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Imperial County, by unit size. To pay the 2-bedroom one ($1,347 a month) without spending more than 30% of your income, you would need to earn $25.90 an hour working full time.

HUD fair market rent for all of Imperial 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 $938 $18.04 $37,520
1 bedroom $1,030 $19.81 $41,200
2 bedrooms $1,347 $25.90 $53,880
3 bedrooms $1,819 $34.98 $72,760
4 bedrooms $2,251 $43.29 $90,040

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 Heber

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Heber is in ZIP code 92249.

For 2 bedrooms it is $1,440: $93 more than the fair market rent for Imperial County ($1,347).

  • 92249 $1,440$1,940

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

HUD lists 3 buildings with rents for lower incomes in Heber. These are the largest.

  • Heber Family Apts 1137 Dogwood Rd, Heber 92249 81 homes, 80 low-income · 2 bd: 40 · 3 bd: 41 · In service since 2005 · For families
  • Villa Paloma 15 W Hawk St, Heber 92249 72 homes, 71 low-income · 1 bd: 8 · 2 bd: 25 · 3 bd: 39 · In service since 2007 · For families
  • Calexico Village / Heber II Village 1140 Heber Ave, Heber 92249 24 low-income homes · In service since 2009 · For families

See all 66 buildings in Imperial County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Heber

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Heber

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

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

  • Coachella Valley Housing Coalition

    45701 Monroe St Ste G, Indio · 79 miles away · Spanish

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

  • Urban League of San Diego County

    4305 University Ave Ste 360, San Diego · 91 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (619) 266-6237

  • Credit.org - National City

    2140 Hoover Ave, National City · 92 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (800) 431-8157

All counseling agencies in California

Help in Spanish near Heber

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 Heber

In HUD’s record, no housing authority with an office in Imperial County is named for Heber or Imperial County.

2 other authorities have an office in Imperial County: see the list Source: HUD

Cities

Other cities in Imperial County

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

Everything about Imperial County Housing in California

Nearby cities

The cities closest to Heber, with the typical home value.

Neighboring counties

If Imperial 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 Heber.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Heber

Short answers with the numbers for Heber and all of Imperial 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 Heber?

The typical home value in Heber is $335,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Imperial County it is $309,600.

How much does it cost to rent in Heber?

Typical rent in Heber is $1,086 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Imperial County is $1,347.

What is the FHA loan limit in Heber?

Heber uses the FHA limit for all of Imperial 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 Heber?

The typical homeowner in Heber pays $2,653 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Imperial County, the rate is 0.77%.

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

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