Real Estate Investing in Grand Terrace, California (92313)

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

San Bernardino County • Population: 13,069 • Data updated: September 2026

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Should you buy in 92313 (Grand Terrace, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (49/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Grand Terrace, CA (92313)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $591,124
Avg Monthly Rent $2,061
1% Rule ✗ Does Not Meet
Median Income $89,781
% Renters 36.3%

Market Analysis: 92313 Grand Terrace

From a cash-flow lens, ZIP 92313 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $591K median. It rewards specialists, not generalists.

Distressed markets are won on execution, not on spreadsheets. ZIP 92313 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

In the broader CA picture, 92313 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

A substantial renter share of 36% in 92313 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 92313 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Grand Terrace:

C Below Average
Buy Confidence Score: 59/100
Affordability
5/25
Appreciation
18/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.6× the median income
Value Trend
Stable (+0.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,061/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Riverside-San Bernardino-Ontario, CA Metro Area
More inventory, negotiating room for buyers
60 days
Average time to sell
Average
7.8%
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 Riverside-San Bernardino-Ontario, CA metro data
🏠

Property Strategy for 92313

Which property type performs best in this market?

Best for Cash Flow
4BR
4.1% cap rate
Best for Appreciation
4BR
+6.5% 5yr CAGR
Best Overall Value
5BR
$135,319/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $398,750 $2,190 4.0% +6.0% $199,375
3BR $568,243 $2,900 3.7% +6.4% $189,414
4BR $609,199 $3,500 4.1% +6.5% $152,300
5BR $676,593 +5.9% $135,319

Market Trends

Home Value History (with trend line)

$646K$551K$456K$361K$266K$171KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,201$2,152$2,102$2,052$2,002$1,953Feb 2023Nov 2024Jul 2026

📊 How Does 92313 Compare?

Metric 92313 Grand Terrace Riverside-San Bernardino-Ontario, CA California
Home Value $591,124 $591,124 N/A $761,003
5-Year CAGR 3.4% 3.4% N/A 5.7%
Avg Rent $2,061 $2,061 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 92313? Click to expand

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

A healthy rental market with 36% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 92313 (Grand Terrace, CA). Anonymous, moderated, never written by AI.

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Property managers serving San Bernardino County

Manage rentals here? List your business →

Encore Property Management's homepage text is minimal, but the domain name strongly suggests property management services. summary from their website

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Incline Consultants specializes in HOA and Condominium Management, offering services for community associations. summary from their website

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J&C Real Estate's homepage text is minimal, focusing on CSS and layout, and does not provide sufficient information to confirm property management services. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+3.4%
Moderate

📊 Market Snapshot

Home Value $591,124
Monthly Rent $2,061
Price-to-Rent 23.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 6.1%

📈 Home Appreciation

1-Year +0.6% ▲
3-Year CAGR +1.7% ▲
5-Year CAGR +3.4% ▲
10-Year CAGR +6.0% ▲

🏠 Rent Trends

1-Year -2.8% ▼
3-Year CAGR -1.9% ▼
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
6.5%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+3.4%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 92313

Population: 13,069

💰 Median Household Income
$89,781
This area
$89,781
State
$94,164
USA
$74,580
🏠 Renter Occupied
36.3%
This area
36.3%
State
39.3%
USA
34.0%
💼 Unemployment Rate
6.2%
This area
6.2%
State
-16.6%
USA
3.7%
🎓 College Educated
28.8%
This area
28.8%
State
7.7%
USA
33.7%
👤 Median Age
37.7 years
This area
37.7 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
6.5%
This area
6.5%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 55.7%
Other/Mixed 35.5%
Hispanic/Latino 29.8%
Black/African American 4.5%
Asian 4.3%
👶 Under 18
21.4%
This area
21.4%
USA
22.0%
👴 65 and Over
15.4%
This area
15.4%
USA
17.3%
📊 Poverty Rate
4.5%
This area
4.5%
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 92313

B Avg School Grade
4 Schools
22.7:1 Avg Class Size
$17,608 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Terrace Hills Middle

📚 07 – 08 Middle
👥
851 Students
👨‍🏫
21.3:1 Class Size
💰
$17,608 Per Student
B Good

Grand Terrace Elementary

📚 K – 06 School
👥
681 Students
👨‍🏫
23.3:1 Class Size
💰
$17,608 Per Student
B Good

Terrace View Elementary

📚 K – 06 School
👥
659 Students
👨‍🏫
24.2:1 Class Size
💰
$17,608 Per Student
👥
1,747 Students
👨‍🏫
21.9:1 Class Size
💰
$17,608 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

Washington High

📚 K – 12 K-12
📍 900 East C St., Colton
👥
174 Students
👨‍🏫
6.3:1 Class Size
💰
$17,608 Per Student
B+ Above Average

Colton Middle

📚 07 – 08 Middle
📍 670 West Laurel St., Colton
👥
845 Students
👨‍🏫
20.7:1 Class Size
💰
$17,608 Per Student
B Good

Abraham Lincoln Elementary

📚 K – 06 School
📍 444 East Olive St., Colton
👥
613 Students
👨‍🏫
24.5:1 Class Size
💰
$17,608 Per Student
B Good

Alice Birney Elementary

📚 K – 06 School
📍 1050 East Olive St., Colton
👥
660 Students
👨‍🏫
23.6:1 Class Size
💰
$17,608 Per Student
B Good

Cooley Ranch Elementary

📚 K – 06 School
📍 1000 South Cooley Dr., Colton
👥
505 Students
👨‍🏫
24.1:1 Class Size
💰
$17,608 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

8 Nearby 13,845 Off-Campus Students
D
Concorde Career College-San Bernardino
260 students · 3.0 mi
C+
Loma Linda University
4,202 students · 3.3 mi
D
San Bernardino Community College District
0 students · 3.4 mi
C
San Bernardino Valley College
12,982 students · 3.8 mi
C
California University of Science and Medicine
564 students · 3.8 mi
C
Summit College
1,210 students · 3.8 mi
C
CET-Colton
191 students · 3.9 mi
B
University of California-Riverside
26,426 students · 4.1 mi

Investor Insight: With 13,845 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are landlord laws favorable in Grand Terrace, CA?

For rental operators, Grand Terrace, CA rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

What do landlords charge for rent in Grand Terrace, CA?

Investors in Grand Terrace, CA typically see rents near $2,061/mo per month against $591K home values - a solid setup for rental cash flow.

Are tenants stable in Grand Terrace, CA?

The tenant pool in Grand Terrace, CA is solid, supported by local employment and population fundamentals. Rents of $2,061/mo are well-absorbed by the market.

Is Grand Terrace, CA good for house hacking?

Grand Terrace, CA is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $591K price point reasonable to enter.

Is Grand Terrace, CA better for rentals, flips, or BRRRR?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Grand Terrace, CA. The numbers - $591K homes against $2,061/mo rents - support that play.

You know 92313 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 92313 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 92313 ranks in Riverside-San Bernardino-Ontario, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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