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City · 30,069 residents · Riverside County, California

Temescal Valley , California

In Temescal Valley, a typical home is worth $710,400 and typical rent is $2,938 a month. Compared with all of Riverside County, typical rent is 55% higher, typical household income is 31% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $710,400

    27% above the county

    3% below California

    • Temescal Valley
    • Riverside
    • California

  • Typical rent

    $2,938a month

    55% above the county

    44% above California

    • Temescal Valley
    • Riverside
    • California

  • Typical household income

    $122,051a year

    31% above the county

    23% above California

    • Temescal Valley
    • Riverside
    • California

  • Households that own their home

    87%

    18 points above the county

    31 points above California

    • Temescal Valley
    • Riverside
    • California

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

Temescal 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 Temescal Valley apart

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

  1. Temescal Valley has the 12th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (78%).

  2. The typical rent in Temescal Valley is $2,938 a month, 55% more than in Riverside County as a whole ($1,901).

  3. Nearby, in El Cerrito, the typical rent is $1,787: 39% less than in Temescal Valley ($2,938).

  4. 87% of households in Temescal Valley own their home, against 69% in Riverside County.

  5. The typical household income in Temescal Valley is $122,051, 31% more than in Riverside County as a whole ($93,074).

  6. Nearby, in Home Gardens, the typical home value is $538,700: 24% less than in Temescal Valley ($710,400).

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

The homes here

Housing in Temescal Valley

What homes there are in Temescal 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

Detached houses, standing on their own, make up 94% of homes here, against 69% in Riverside County.

Year built

Homes in Temescal Valley are newer: the typical year built is 2003; in Riverside County, 1990.

Homes in Temescal Valley are bigger: 76% have 3 bedrooms or more; 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
Monthly rent with utilities

With a mortgage

$3,336 a month

Riverside County: $2,583 a month

Without a mortgage

$956 a month

Riverside County: $781 a month

Owners with a mortgage

78%

Riverside County: 69%

Owning costs more in Temescal Valley: with a mortgage, the typical cost is $3,336 a month; in Riverside County, $2,583. Without one, $956.

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 Temescal Valley with 2015–2019 because its boundaries changed. In Riverside County, over that time, 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

MeasureTemescal ValleyRiverside 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 3.4%7.8%8.2%3.4%
People per household 3.163.152.842.53
Drive alone 74%73%66%69%
Carpool 7%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 17%12%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Temescal Valley, 3.4% of households live with more than one person per room, against 7.8% in Riverside County.

Much as in Riverside County, a household in Temescal Valley has 3.16 people on average.

Working from home is more common in Temescal Valley: 17%, against 12% in Riverside County.

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 Temescal Valley?

A typical home costs more than the typical income allows

We start with a typical home in Temescal Valley, worth $710,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Temescal Valley, which is $122,051 a year. For that payment to be 28% of income, a household would need to earn about $251,500 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 Temescal 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 $24,864 (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

$5,868

at 7.18% · 30 years

Loan amount
$697,533
Total interest
$1,003,586
Paid off in
November 2056

Includes $11,997 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,848 a month

  • Tight

    $2,848 to $3,662 a month

  • Hard

    more than $3,662 a month

    Your payment · 58%

Compared with the typical household income in Temescal Valley ($122,051 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,868
Principal & interest$4,725
Property tax$533
Home insurance$296
FHA mortgage insurance (MIP)$314

You need at least $24,864 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

Temescal Valley and Riverside County

Temescal 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).

Temescal Valley's own numbers

Typical home value
$710,400
Typical monthly rent
$2,938
Typical yearly household income
$122,051
Households that own their home
87%
Effective property tax rate
0.9%

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 Temescal Valley

A typical home in Temescal Valley is worth $710,400: 27% above the county and 3% below California. With the typical household income in Temescal Valley ($122,051 a year), a typical home costs 5.8 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.

  • Temescal Valley 5.8 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

Temescal 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
  • Temescal Valley $710,400
  • Riverside $557,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Temescal Valley $2,938
  • Riverside $1,901
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Temescal Valley $122,051
  • Riverside $93,074
  • California $99,122
  • United States $80,734
See the full table
Temescal Valley next to Riverside County and California
Measure Temescal Valley Riverside County California U.S.
Typical home value $710,400 $557,300 $734,700 $332,700
Typical monthly rent $2,938 $1,901 $2,036 $1,413
Typical yearly household income $122,051 $93,074 $99,122 $80,734
Households that own their home 87% 69% 56% 65%
Typical yearly property tax $6,417 $4,348 $5,124 $3,119
Effective property tax rate 0.9% 0.78% 0.7% 0.94%
Renters with high rent for their income 78% 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 Temescal Valley

For a typical $710,400 home in Temescal Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Temescal Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,868a month

    Above the FHA limit for Riverside County ($690,000)
    Down payment
    $24,864
    Cash to close
    $46,176
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $314

  • Conventional, 5% down $5,738a month

    Least cash to close
    Down payment
    $35,520
    Cash to close
    $56,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $337

  • Conventional, 20% down, no PMI $4,679a month

    Down payment
    $142,080
    Cash to close
    $163,392
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,336a month

    Down payment
    $106,560
    Cash to close
    $127,872
    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 Temescal Valley and for Riverside County.

Property tax

Effective rate in Temescal Valley

0.9%of the home’s value each year

$6,417 a year for the typical owner in Temescal Valley.

  • Temescal Valley 0.9%
  • 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 Temescal Valley

Typical rent in Temescal Valley is $2,938 a month: 55% above the county. In Temescal Valley, 78% 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 Temescal Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Temescal Valley is in ZIP code 92883.

For 2 bedrooms it is $3,150: $1,047 more than the fair market rent for Riverside County ($2,103).

  • 92883 $3,150$4,150

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

Free help

Help to buy or rent in Temescal 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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Temescal Valley

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

The HUD-approved agencies closest to the center of Temescal Valley, 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 · 10 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 · 16 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 · 16 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 Temescal 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 Temescal Valley

HUD’s record names them for Temescal 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 Temescal 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 Temescal Valley.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Temescal Valley

Short answers with the numbers for Temescal 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 Temescal Valley?

The typical home value in Temescal Valley is $710,400, 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 Temescal Valley?

Typical rent in Temescal Valley is $2,938 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 Temescal Valley?

Temescal 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 Temescal Valley?

The typical homeowner in Temescal Valley pays $6,417 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Riverside County, the rate is 0.78%.

Where can I find free help to buy or rent in Temescal 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).