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City · 10,506 residents · Riverside County, California

Home Gardens , California

In Home Gardens, a typical home is worth $538,700 and typical rent is $2,065 a month. Compared with all of Riverside County, typical rent is 9% higher and the share of households that own their home is 9 points higher.

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  • Typical home value

    $538,700

    3% below the county

    27% below California

    • Home Gardens
    • Riverside
    • California

  • Typical rent

    $2,065a month

    9% above the county

    About the same as California

    • Home Gardens
    • Riverside
    • California

  • Typical household income

    $96,342a year

    4% above the county

    3% below California

    • Home Gardens
    • Riverside
    • California

  • Households that own their home

    78%

    9 points above the county

    22 points above California

    • Home Gardens
    • Riverside
    • California

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

Home Gardens 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 Home Gardens apart

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

  1. Home Gardens has the 27th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (40%).

  2. 78% of households in Home Gardens own their home, against 69% in Riverside County.

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

The homes here

Housing in Home Gardens

What homes there are in Home Gardens, 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, standing on their own, make up 75% of homes here, against 69% in Riverside County.

Year built

In Home Gardens, half of the homes were built before 1982; in Riverside County, before 1990.

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

$2,314 a month

Riverside County: $2,583 a month

Without a mortgage

$598 a month

Riverside County: $781 a month

Owners with a mortgage

65%

Riverside County: 69%

The typical cost for an owner with a mortgage in Home Gardens is $2,314 a month, less than in Riverside County ($2,583); without one, $598.

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 boundaries of Home Gardens changed since 2015–2019, so the Census does not compare its figures from then and now. In Riverside County, the typical home value rose 59%.

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

MeasureHome GardensRiverside 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 12.4%7.8%8.2%3.4%
People per household 3.773.152.842.53
Drive alone 75%73%66%69%
Carpool 13%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 6%12%17%15%
Other means 3%1%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Home Gardens, 12.4% of households live with more than one person per room, against 7.8% in Riverside County.

More people live in each home here: 3.77 on average, against 3.15 in Riverside County.

The car rules in Home Gardens: 75% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Home Gardens?

A typical home costs more than the typical income allows

We start with a typical home in Home Gardens, worth $538,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Home Gardens, which is $96,342 a year. For that payment to be 28% of income, a household would need to earn about $185,134 a year.

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 Home Gardens. 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 $18,855 (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

$4,320

at 7.18% · 30 years

Loan amount
$528,942
Total interest
$761,024
Paid off in
November 2056

Includes $9,097 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,248 a month

  • Tight

    $2,248 to $2,890 a month

  • Hard

    more than $2,890 a month

    Your payment · 54%

Compared with the typical household income in Home Gardens ($96,342 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,320
Principal & interest$3,583
Property tax$274
Home insurance$225
FHA mortgage insurance (MIP)$238

You need at least $18,855 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

Home Gardens and Riverside County

Home Gardens 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).

Home Gardens's own numbers

Typical home value
$538,700
Typical monthly rent
$2,065
Typical yearly household income
$96,342
Households that own their home
78%
Effective property tax rate
0.61%

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 Home Gardens

A typical home in Home Gardens is worth $538,700: 3% below the county and 27% below California. With the typical household income in Home Gardens ($96,342 a year), a typical home costs 5.6 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.

  • Home Gardens 5.6 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

Home Gardens 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
  • Home Gardens $538,700
  • Riverside $557,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Home Gardens $2,065
  • Riverside $1,901
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Home Gardens $96,342
  • Riverside $93,074
  • California $99,122
  • United States $80,734
See the full table
Home Gardens next to Riverside County and California
Measure Home Gardens Riverside County California U.S.
Typical home value $538,700 $557,300 $734,700 $332,700
Typical monthly rent $2,065 $1,901 $2,036 $1,413
Typical yearly household income $96,342 $93,074 $99,122 $80,734
Households that own their home 78% 69% 56% 65%
Typical yearly property tax $3,292 $4,348 $5,124 $3,119
Effective property tax rate 0.61% 0.78% 0.7% 0.94%
Renters with high rent for their income 40% 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 Home Gardens

For a typical $538,700 home in Home Gardens, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Home Gardens's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,320a month

    Least cash to close
    Down payment
    $18,855
    Cash to close
    $35,016
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $238

  • Conventional, 5% down $4,221a month

    Down payment
    $26,935
    Cash to close
    $43,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $256

  • Conventional, 20% down, no PMI $3,418a month

    Down payment
    $107,740
    Cash to close
    $123,901
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,916a month

    Down payment
    $80,805
    Cash to close
    $96,966
    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 Home Gardens and for Riverside County.

Property tax

Effective rate in Home Gardens

0.61%of the home’s value each year

$3,292 a year for the typical owner in Home Gardens.

  • Home Gardens 0.61%
  • 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 Home Gardens

Typical rent in Home Gardens is $2,065 a month: 9% above the county. In Home Gardens, 40% 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 Home Gardens

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Home Gardens has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,270 in 92503 to $2,640 in 92879.

2 of the 2 are above the fair market rent for Riverside County ($2,103).

  • 92503 $2,270$2,990
  • 92879 $2,640$3,480

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Home Gardens 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 Home Gardens

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Home Gardens

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

The HUD-approved agencies closest to the center of Home Gardens, 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 · 3 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 · 10 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 · 11 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 Home Gardens

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 Home Gardens

HUD’s record names them for Home Gardens 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 Home Gardens, 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 Home Gardens.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Home Gardens

Short answers with the numbers for Home Gardens 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 Home Gardens?

The typical home value in Home Gardens is $538,700, 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 Home Gardens?

Typical rent in Home Gardens is $2,065 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 Home Gardens?

Home Gardens 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 Home Gardens?

The typical homeowner in Home Gardens pays $3,292 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Riverside County, the rate is 0.78%.

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

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).