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City · 319,069 residents · Riverside County, California

Riverside , California

In Riverside, a typical home is worth $584,800 and typical rent is $1,914 a month. Compared with all of Riverside County, the share of households that own their home is 12 points lower.

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  • Typical home value

    $584,800

    5% above the county

    20% below California

    • Riverside
    • County
    • California

  • Typical rent

    $1,914a month

    About the same as the county

    6% below California

    • Riverside
    • County
    • California

  • Typical household income

    $91,045a year

    2% below the county

    8% below California

    • Riverside
    • County
    • California

  • Households that own their home

    57%

    12 points below the county

    1 points above California

    • Riverside
    • County
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$641,514
0.9% more than 12 months ago
Typical rent
$2,427 a month
2% more than 12 months ago

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

Riverside 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 Riverside 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: 24% less than in Riverside ($1,914).

  2. 57% of households in Riverside own their home, against 69% in Riverside County.

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

The homes here

Housing in Riverside

What homes there are in Riverside, 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 are the majority in Riverside (64%), but less so than in Riverside County (69%).

Year built

The typical home in Riverside was built in 1976, 14 years before the typical one in Riverside County.

There are fewer big homes in Riverside than in Riverside County: 62% have 3 bedrooms or more, against 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

The FHA loan limit for Riverside County is $690,000, and about 70% of owner-occupied homes in Riverside are worth less than that.

Monthly rent with utilities

About 60% of rented homes in Riverside cost less than HUD's 2-bedroom fair market rent for Riverside County ($2,103); the rest cost more.

With a mortgage

$2,438 a month

Riverside County: $2,583 a month

Without a mortgage

$655 a month

Riverside County: $781 a month

Owners with a mortgage

73%

Riverside County: 69%

In Riverside, 73% of owners have a mortgage, and their typical cost is $2,438 a month, against $2,583 in Riverside County. Without one it drops to $655.

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 Riverside rose at about the same pace as in Riverside County: 60% against 59%.

Rents in Riverside rose at about the same pace as in Riverside County: 39% since 2015–2019, against 38%.

Here income did not keep up with housing: it rose 32%, while home values changed +60% and rent +39%.

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

MeasureRiversideRiverside CountyCaliforniaUnited States
Rental vacancy 3.9%5.0%4.2%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room 10.4%7.8%8.2%3.4%
People per household 3.213.152.842.53
Drive alone 73%73%66%69%
Carpool 11%11%10%9%
Public transit 1%1%3%3%
Walk or bike 3%1%3%3%
Work from home 11%12%17%15%
Other means 1%1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Riverside, the rental vacancy rate is 3.9%; in Riverside County, 5.0%.

More than one person per room: that is how 10.4% of households in Riverside live, more than in Riverside County (7.8%).

By size, households in Riverside look like those in Riverside County: 3.21 people on average.

To get to work, 73% of workers in Riverside drive alone; 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 Riverside?

A typical home costs more than the typical income allows

We start with a typical home in Riverside, worth $584,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Riverside, which is $91,045 a year. For that payment to be 28% of income, a household would need to earn about $200,560 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 Riverside. 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 $20,468 (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

$4,680

at 7.18% · 30 years

Loan amount
$574,208
Total interest
$826,150
Paid off in
November 2056

Includes $9,876 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,124 a month

  • Tight

    $2,124 to $2,731 a month

  • Hard

    more than $2,731 a month

    Your payment · 62%

Compared with the typical household income in Riverside ($91,045 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,680
Principal & interest$3,890
Property tax$288
Home insurance$244
FHA mortgage insurance (MIP)$259

You need at least $20,468 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

Riverside and Riverside County

Riverside 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).

Riverside's own numbers

Typical home value
$584,800
Typical monthly rent
$1,914
Typical yearly household income
$91,045
Households that own their home
57%
Effective property tax rate
0.59%

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 Riverside

A typical home in Riverside is worth $584,800: 5% above the county and 20% below California. With the typical household income in Riverside ($91,045 a year), a typical home costs 6.4 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.

  • Riverside 6.4 years
  • County 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

Riverside 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
  • Riverside $584,800
  • County $557,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Riverside $1,914
  • County $1,901
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Riverside $91,045
  • County $93,074
  • California $99,122
  • United States $80,734
See the full table
Riverside next to Riverside County and California
Measure Riverside Riverside County California U.S.
Typical home value $584,800 $557,300 $734,700 $332,700
Typical monthly rent $1,914 $1,901 $2,036 $1,413
Typical yearly household income $91,045 $93,074 $99,122 $80,734
Households that own their home 57% 69% 56% 65%
Typical yearly property tax $3,428 $4,348 $5,124 $3,119
Effective property tax rate 0.59% 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 Riverside

For a typical $584,800 home in Riverside, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Riverside's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,680a month

    Least cash to close
    Down payment
    $20,468
    Cash to close
    $38,012
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $259

  • Conventional, 5% down $4,573a month

    Down payment
    $29,240
    Cash to close
    $46,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $278

  • Conventional, 20% down, no PMI $3,701a month

    Down payment
    $116,960
    Cash to close
    $134,504
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,241a month

    Down payment
    $87,720
    Cash to close
    $105,264
    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 Riverside and for Riverside County.

Property tax

Effective rate in Riverside

0.59%of the home’s value each year

$3,428 a year for the typical owner in Riverside.

  • Riverside 0.59%
  • County 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 Riverside

Typical rent in Riverside is $1,914 a month: about the same as the county. In Riverside, 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 Riverside

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Riverside has 8 ZIP codes with their own.

For 2 bedrooms it runs from $1,990 in 92501 to $3,040 in 92508.

6 of the 8 are above the fair market rent for Riverside County ($2,103).

  • 92501 $1,990$2,630
  • 92503 $2,270$2,990
  • 92504 $2,100$2,770
  • 92505 $2,370$3,140
  • 92506 $2,210$2,910
  • 92507 $2,410$3,180
  • 92508 $3,040$4,010
  • 92521 $2,170$2,860

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

HUD lists 24 buildings with rents for lower incomes in Riverside. These are the largest.

  • Vintage at Snowberry Senior Apts 8426 Colorado Ave, Riverside 92504 224 homes, 222 low-income · 1 bd: 110 · 2 bd: 114 · In service since 2011 · For older adults
  • Brandon Place Senior Apts 3941 Polk St, Riverside 92505 197 low-income homes · In service since 1997 · For older adults
  • Riverside Gardens 1245 W Linden St, Riverside 92507 190 homes, 188 low-income · 1 bd: 56 · 2 bd: 134 · In service since 1999
  • MT. Rubidoux Manor 3993 10th St, Riverside 92501 188 homes, 186 low-income · Studio: 135 · 1 bd: 52 · 2 bd: 1 · In service since 2018 · For older adults (951) 684-3154
  • Breezewood Apts 3893 Kirkwood Ave, Riverside 92501 157 homes, 156 low-income · 2 bd: 157 · 3 bd: 1 · In service since 2004 · For families

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

Free help

Help to buy or rent in Riverside

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Riverside

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

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

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

    4164 Brockton Ave, Riverside · 3 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 · 3 miles away · Spanish

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

  • Credit.org

    1825 Chicago Ave, Riverside · 5 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 Riverside

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 Riverside

HUD’s record names them for Riverside 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 Riverside, 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 Riverside.

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

Questions

Housing questions about Riverside

Short answers with the numbers for Riverside 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 Riverside?

The typical home value in Riverside is $584,800, 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 Riverside?

Typical rent in Riverside is $1,914 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 Riverside?

Riverside 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 Riverside?

The typical homeowner in Riverside pays $3,428 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Riverside County, the rate is 0.78%.

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

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).