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City · 211,666 residents · Riverside County, California

Moreno Valley , California

In Moreno Valley, a typical home is worth $503,700 and typical rent is $2,135 a month. Compared with all of Riverside County, typical rent is 12% higher, the typical home value is 10% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $503,700

    10% below the county

    31% below California

    • Moreno Valley
    • Riverside
    • California

  • Typical rent

    $2,135a month

    12% above the county

    5% above California

    • Moreno Valley
    • Riverside
    • California

  • Typical household income

    $93,222a year

    About the same as the county

    6% below California

    • Moreno Valley
    • Riverside
    • California

  • Households that own their home

    63%

    6 points below the county

    7 points above California

    • Moreno Valley
    • Riverside
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$549,871
0.8% more than 12 months ago
Typical rent
$2,412 a month
3.3% more than 12 months ago

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

Moreno Valley 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 Moreno Valley apart

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

  1. Nearby, in Highgrove, the typical rent is $1,463: 31% less than in Moreno Valley ($2,135).

  2. 63% of households in Moreno Valley own their home, against 69% in Riverside County.

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

The homes here

Housing in Moreno Valley

What homes there are in Moreno Valley, 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 Moreno Valley, 8 in 10 homes are single-family detached houses; in Riverside County, 7.

Year built

By age, homes in Moreno Valley look like those in Riverside County: the typical year built is 1988.

In Moreno Valley, 76% of homes have 3 bedrooms or more, more than in Riverside County (66%).

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

By price, most homes in Moreno Valley sit under the FHA limit for Riverside County ($690,000): about 84%.

Monthly rent with utilities

With a mortgage

$2,281 a month

Riverside County: $2,583 a month

Without a mortgage

$677 a month

Riverside County: $781 a month

Owners with a mortgage

78%

Riverside County: 69%

Owning costs less in Moreno Valley: with a mortgage, the typical cost is $2,281 a month; in Riverside County, $2,583. Without one, $677.

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, home values in Moreno Valley rose at about the same pace as in Riverside County: 61% against 59%.

Rents in Moreno Valley rose faster than in Riverside County: 43% since 2015–2019, against 38%.

The typical household income in Moreno Valley rose 41% over that time; home values changed +61% and rent +43%.

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

MeasureMoreno ValleyRiverside CountyCaliforniaUnited States
Rental vacancy 3.0%5.0%4.2%5.5%
Homeowner vacancy 0.9%1.0%0.8%0.9%
More than one person per room 12.0%7.8%8.2%3.4%
People per household 3.793.152.842.53
Drive alone 75%73%66%69%
Carpool 14%11%10%9%
Public transit 1%1%3%3%
Walk or bike 1%1%3%3%
Work from home 8%12%17%15%
Other means 1%1%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Moreno Valley is 3.0%, lower than in Riverside County (5.0%).

More households are short on space in Moreno Valley: 12.0% have more than one person per room; in Riverside County, 7.8%.

Households in Moreno Valley are bigger: 3.79 people on average; in Riverside County, 3.15.

In Moreno Valley, 75% of workers drive alone to work; in Riverside County, 73%.

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 Moreno Valley?

A typical home costs more than the typical income allows

We start with a typical home in Moreno Valley, worth $503,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Moreno Valley, which is $93,222 a year. For that payment to be 28% of income, a household would need to earn about $174,005 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 Moreno Valley. 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 $17,630 (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

$4,060

at 7.18% · 30 years

Loan amount
$494,576
Total interest
$711,579
Paid off in
November 2056

Includes $8,506 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,175 a month

  • Tight

    $2,175 to $2,797 a month

  • Hard

    more than $2,797 a month

    Your payment · 52%

Compared with the typical household income in Moreno Valley ($93,222 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,060
Principal & interest$3,350
Property tax$277
Home insurance$210
FHA mortgage insurance (MIP)$223

You need at least $17,630 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

Moreno Valley and Riverside County

Moreno Valley 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).

Moreno Valley's own numbers

Typical home value
$503,700
Typical monthly rent
$2,135
Typical yearly household income
$93,222
Households that own their home
63%
Effective property tax rate
0.66%

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 Moreno Valley

A typical home in Moreno Valley is worth $503,700: 10% below the county and 31% below California. With the typical household income in Moreno Valley ($93,222 a year), a typical home costs 5.4 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.

  • Moreno Valley 5.4 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

Moreno Valley 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
  • Moreno Valley $503,700
  • Riverside $557,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Moreno Valley $2,135
  • Riverside $1,901
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Moreno Valley $93,222
  • Riverside $93,074
  • California $99,122
  • United States $80,734
See the full table
Moreno Valley next to Riverside County and California
Measure Moreno Valley Riverside County California U.S.
Typical home value $503,700 $557,300 $734,700 $332,700
Typical monthly rent $2,135 $1,901 $2,036 $1,413
Typical yearly household income $93,222 $93,074 $99,122 $80,734
Households that own their home 63% 69% 56% 65%
Typical yearly property tax $3,349 $4,348 $5,124 $3,119
Effective property tax rate 0.66% 0.78% 0.7% 0.94%
Renters with high rent for their income 61% 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 Moreno Valley

For a typical $503,700 home in Moreno Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moreno Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,060a month

    Least cash to close
    Down payment
    $17,630
    Cash to close
    $32,741
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $223

  • Conventional, 5% down $3,968a month

    Down payment
    $25,185
    Cash to close
    $40,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $239

  • Conventional, 20% down, no PMI $3,217a month

    Down payment
    $100,740
    Cash to close
    $115,851
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,682a month

    Down payment
    $75,555
    Cash to close
    $90,666
    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 Moreno Valley and for Riverside County.

Property tax

Effective rate in Moreno Valley

0.66%of the home’s value each year

$3,349 a year for the typical owner in Moreno Valley.

  • Moreno Valley 0.66%
  • 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 Moreno Valley

Typical rent in Moreno Valley is $2,135 a month: 12% above the county. In Moreno Valley, 61% 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 Moreno Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moreno Valley has 4 ZIP codes with their own.

For 2 bedrooms it runs from $2,400 in 92551 to $2,780 in 92555.

4 of the 4 are above the fair market rent for Riverside County ($2,103).

  • 92551 $2,400$3,160
  • 92553 $2,410$3,180
  • 92555 $2,780$3,660
  • 92557 $2,410$3,180

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

HUD lists 14 buildings with rents for lower incomes in Moreno Valley. These are the largest.

  • Oakwood Apts 15170 Perris Blvd, Moreno Valley 92551 241 homes, 239 low-income · 2 bd: 80 · 3 bd: 93 · 4 bd: 68 · In service since 2010 · For families
  • Perris Isle Senior Housing 12960 Perris Blvd, Moreno Valley 92553 189 homes, 148 low-income · 1 bd: 120 · 2 bd: 30 · In service since 2008 · For older adults
  • Cottonwood Place 24115 Cottonwood Ave, Moreno Valley 92553 109 homes, 108 low-income · 3 bd: 55 · 4 bd: 54 · In service since 2016
  • Rancho Dorado Family Apts II 25105 John F Kennedy Dr, Moreno Valley 92551 79 homes, 78 low-income · 2 bd: 54 · 3 bd: 25 · In service since 2010 · For families
  • Rancho Dorado South 25105 John F Kennedy Dr, Moreno Valley 92551 79 homes, 78 low-income · 2 bd: 55 · 3 bd: 24 · In service since 2013 · For families

See all 214 buildings in Riverside County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moreno Valley

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Moreno Valley

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

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

  • Fair Housing Council of Riverside County, Inc.- Moreno Valley

    23890 Alessandro Blvd Ste A1, Moreno Valley · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (951) 653-8314

  • Nid-Hca Riverside / San Bernardino County

    23945 Sunnymead Blvd, Moreno Valley · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (951) 399-4538

  • Credit.org

    1825 Chicago Ave, Riverside · 10 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

Every agency in Riverside County All counseling agencies in California

Help in Spanish near Moreno Valley

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 Moreno Valley

HUD’s record names them for Moreno Valley 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 Moreno Valley, 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 Moreno Valley.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Moreno Valley

Short answers with the numbers for Moreno Valley 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 Moreno Valley?

The typical home value in Moreno Valley is $503,700, 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 Moreno Valley?

Typical rent in Moreno Valley is $2,135 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 Moreno Valley?

Moreno Valley 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 Moreno Valley?

The typical homeowner in Moreno Valley pays $3,349 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Riverside County, the rate is 0.78%.

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

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).