Real Estate Investing in Imperial, California (92251)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Imperial County • Population: 27,197 • Data updated: September 2026

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Should you buy in 92251 (Imperial, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 16.7% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Imperial, CA (92251)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $444,781
Avg Monthly Rent $2,150
1% Rule ✗ Does Not Meet
Median Income $90,632
% Renters 32.0%

Market Analysis: 92251 Imperial

The 92251 ZIP in Imperial, CA is a local-operator market. Outside capital chasing a $445K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 92251 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

In the broader CA picture, 92251 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 92251 includes headwinds that any investor should price in. Income distribution skews lower than Imperial averages, and tenant stability requires active management.

Strategy in 92251 is an operator game, not a passive one. In practical terms, entry prices of $445K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Imperial:

C+ Average
Buy Confidence Score: 69/100
Affordability
10/25
Appreciation
25/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.9× the median income
Value Trend
Rising (+7.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,150/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
El Centro, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
5.3%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from El Centro, CA metro data
🏠

Property Strategy for 92251

Which property type performs best in this market?

Best for Cash Flow
4BR
4.7% cap rate
Best for Appreciation
3BR
+9.1% 5yr CAGR
Best Overall Value
4BR
$115,188/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $394,992 $2,420 4.4% +9.1% $131,664
4BR $460,751 $3,000 4.7% +8.1% $115,188

Market Trends

Home Value History (with trend line)

$469K$398K$328K$257K$186K$115KJun 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,169$2,115$2,060$2,006$1,952$1,898Mar 2026Apr 2026May 2026

📊 How Does 92251 Compare?

Metric 92251 Imperial El Centro, CA California
Home Value $444,781 $444,781 N/A $761,003
5-Year CAGR 7.8% 7.8% N/A 5.7%
Avg Rent $2,150 $2,150 N/A -
Cap Rate 3.8% 3.8% - -
💡 Why Invest in 92251? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 92251 (Imperial, CA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.8%
Low
5yr Growth
+7.8%
Strong

📉 Market Crash Risk Index

Based on El Centro, CA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
41%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $444,781
Monthly Rent $2,150
Price-to-Rent 17.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.8%
Cap Rate 3.8%
5-Year IRR 11.5%

📈 Home Appreciation

1-Year +7.5% ▲
3-Year CAGR +7.5% ▲
5-Year CAGR +7.8% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
16.7%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+7.8%
Growing
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 92251

Population: 27,197

💰 Median Household Income
$90,632
This area
$90,632
State
$94,164
USA
$74,580
🏠 Renter Occupied
32.0%
This area
32.0%
State
39.3%
USA
34.0%
💼 Unemployment Rate
4.6%
This area
4.6%
State
-16.6%
USA
3.7%
🎓 College Educated
18.6%
This area
18.6%
State
7.7%
USA
33.7%
👤 Median Age
33.2 years
This area
33.2 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
16.7%
This area
16.7%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
Other/Mixed 47.4%
Hispanic/Latino 45.9%
White 45.1%
Black/African American 4.7%
Asian 2.9%
👶 Under 18
29.5%
This area
29.5%
USA
22.0%
👴 65 and Over
9.3%
This area
9.3%
USA
17.3%
📊 Poverty Rate
9.9%
This area
9.9%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 92251

C+ Avg School Grade
6 Schools
23.2:1 Avg Class Size
$15,977 Avg Per Pupil

Schools in This ZIP Code

B Good

T. L. Waggoner Elementary

📚 K – 05 Elementary
👥
594 Students
👨‍🏫
21.4:1 Class Size
💰
$15,977 Per Student
B Good

Imperial Cross Elementary

📚 K – 05 Elementary
👥
748 Students
👨‍🏫
24.0:1 Class Size
💰
$15,977 Per Student
C+ Average

Ben Hulse Elementary

📚 K – 05 Elementary
👥
826 Students
👨‍🏫
22.9:1 Class Size
💰
$15,977 Per Student
C+ Average

Frank M. Wright Middle

📚 06 – 08 Middle
👥
1,077 Students
👨‍🏫
22.4:1 Class Size
💰
$15,977 Per Student
C+ Average

Imperial High

📚 09 – 12 High School
👥
1,378 Students
👨‍🏫
23.8:1 Class Size
💰
$15,977 Per Student
C Below Average

Imperial Ave. Holbrook High

📚 09 – 12 High School
👥
49 Students
👨‍🏫
24.8:1 Class Size
💰
$15,977 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby 1,938 Off-Campus Students
C+
CET-El Centro
167 students · 11.3 mi
C+
Imperial Valley College
8,111 students · 12.8 mi

Investor Insight: With 1,938 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Imperial, CA a good place for real estate investing?

Yes - Imperial, CA a 3.0/5 investability score. With $445K home prices against $2,150/mo monthly rent, the market delivers a reasonable entry point for new investors.

How deep is the rental pool in Imperial, CA?

Expect a solid tenant pool in Imperial, CA. The rental market absorbs $2,150/mo rents without meaningful friction.

Are there empty rentals in Imperial, CA?

Vacancy in Imperial, CA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $2,150/mo.

Does house hacking make sense in Imperial, CA?

House hacking works a challenging in Imperial, CA. Rents of $2,150/mo against $445K acquisition make the strategy solid for owner-occupants.

What is the average monthly rent in Imperial, CA?

Expect rents around $2,150/mo per month in Imperial, CA. With home values at $445K, the yield math works out to reasonable levels for rental investors.

You know 92251 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 92251 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 92251 ranks in El Centro, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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