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Imperial Beach Real Estate Market Facts

  • $380,900Median home price
    7% lower than California
  • $1,255Median rent asked
    3% lower than California
  • 30.8%Home owners
    43% lower than California
  • 2.9People per home
    1% lower than California
A general overview of the Imperial Beach, CA real estate market is displayed above. The median home price for homes in Imperial Beach, CA is $380,900, which is 7% lower than the California average. This means that real estate in the Imperial Beach, CA area is generally more affordable than the rest of California. The median rent price in Imperial Beach, CA is $1,255 which is 3% lower than the California average. In Imperial Beach, CA, 30.8% of people are home owners and an average of 2.9 people occupy each home. From luxury houses to affordable condos to urban townhomes, there are many different types of real estate in Imperial Beach, CA. We make it easy to find Imperial Beach, CA real estate listings and homes for sale by filtering location, price, bedrooms and bathrooms in the search area above.

Imperial Beach Home Affordability

  • $380,900Median home price
    7% lower than California
  • $48,010Median home income
    25% lower than California
  • 7.9xHome price to income ratio
    24% higher than California
Home affordability can be a very important factor when determining where to purchase real estate in Imperial Beach, CA. One method that can be used to calculate home affordability is the home price to median household income ratio. The median home price in Imperial Beach, CA is $380,900 and the median household income is $48,010. This results in a home price to income ratio of 7.9x, which is 24% higher than the California average. The home affordability ratio is calculated by dividing the median home price by the median home income. A lower than average home price to income ratio means that homes in Imperial Beach, CA are more affordable based on the median price of homes compared to home income. Of course, there are many other factors to consider when focusing on home affordability. Use the home affordability calculator below to see exactly how much you can afford to pay for real estate in Imperial Beach, CA.

Imperial Beach Affordability Calculator

Include PMI
You can afford a home up to:
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  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
When searching for real estate in Imperial Beach, CA, it is important to find a home that fits comfortably within your budget. The home affordability calculator allows you to determine what price of home in Imperial Beach, CA you can afford based on your income, debts and down payment. For an even more complete picture, you can add in further details such as: length of mortgage term, mortgage rate, property taxes, home insurance and HOA dues. This will estimate the costs of home ownership and display the home price that would fit within that budget. Knowing the price of home that you can afford in Imperial Beach, CA before you begin the house hunting process will keep you from getting too emotionally invested in homes that you may not be able to afford. The home affordability calculator will also allow you to balance your budget, so you know exactly how much will be spent on housing and how much you will have left over for any other living expenses and savings.

Imperial Beach Mortgage Calculator

Your monthly payment will be:
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  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
What will my monthly costs be if I purchase Imperial Beach, CA real estate? There are many different variables that go into determining the monthly cost of a home. The biggest is obviously the home price. But after the actual price of the home you will also need to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). PMI payments can be avoided for homeowners that are able to put 20% or more towards a down payment. The mortgage calculator has preset default values for these details, but they may be adjusted to give you a more accurate monthly payment estimate. Keep in mind that a good rule of thumb is to keep the DTI (debt-to-income) ratio to no more than 36 percent. This means that no more than 36 percent of gross monthly income should go to paying all debts.

Imperial Beach Demographics

  • 27,180Population
  • 6,532People / sq mile
  • 31.8Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Spring Valley CDP (Lake County), CA1,154$156,30015%
La Presa, CA37,110$315,70071%
National City, CA60,349$317,30072%
Lemon Grove, CA26,421$346,40088%
Spring Valley, CA30,128$380,100106%
Imperial Beach, CA27,180$380,900106%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Isla Vista, CA27,179$428,100132%
Thomasville, NC27,178$109,90040%
Alton, IL27,175$79,60057%
Anderson, SC27,206$122,90033%
New London, CT27,218$183,9000%
Imperial Beach, CA27,180$380,900106%
Source: The Imperial Beach, CA housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).