El Monte, California.
Typical home $752,488 (+0.9% in a year), asking rent $2,451 (+1.5%). Los Angeles-Long Beach-Anaheim, CA metro.
to buy the typical home at today's mortgage rate — +$1,966 (+99%) since Jan 2020.
- 1 year
- Up $7,023 +1%
- $745,465$752,488 since Sep 2025
- 5 years
- Up $112,754 +18%
- $639,734$752,488 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- El Monte$3,950
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in El Monte, CA rose 0.9% over the past year — slower than the nation's +1.2%.
Asking rents in El Monte, CA rose 1.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in El Monte runs $2,731/mo more than renting one. The gap peaked at $2,856 in Oct 2023.
That is $5,182 a month against $2,451 rent: a $3,950 mortgage payment, plus $427 property tax and $806 insurance & upkeep.
Owning vs renting — El Monte
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,182
- Renting$2,451
- Mortgage only$3,950
Property tax · $427/mo 0.68% of value a year — the ACS 2020-2024 median bill over the median home value for Los Angeles County, CA
Insurance & upkeep · $806/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in El Monte, Los Angeles County, California
El Monte is a city of 109,450 people in Los Angeles County. Half its households earn more than $68,030 a year and half less, against $90,112 across Los Angeles County; 17% of its people live below the poverty line. 40% of its homes are lived in by their owners and 60% are rented. Unemployment in El Monte was 4.8% in August 2026, and Los Angeles County had about as many jobs in 2025 as the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. El Monte is a city in Los Angeles County, in the San Gabriel Valley, with a large population and a younger age profile than many American towns. Most homes are rented rather than lived in by their owners, and household incomes run below the county's, while a smaller share of adults hold a four-year degree than you might expect. Winters are mild and summers hot, with little or no snow and modest rainfall through the year.
Work. Residents work mostly in schools, hospitals and social care, with many others in manufacturing, shops, and restaurants, hotels and entertainment. Among the largest workplaces in El Monte are El Monte City Schools, El Monte Union High Schools and FedEx. The typical commute is a fairly long one, and few people work from home.
Things to do. The Huntington Library, Art Museum, and Botanical Gardens is a botanical garden a short drive away, and the Norton Simon Museum, an art museum, is also a short drive away. For a bigger outing, Disneyland, an amusement park, is a longer drive away.
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- 29,344households
- 15%of adults have a degree
- 17%below the poverty line
- 28 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Los Angeles County had 4,525,460 jobs in 2025, about as many as the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 68° and lows near 45°; warmest in August, with highs near 88° and lows near 66°. About 16 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the San Gabriel Fire Dept weather station, 4 miles away (NOAA).
Largest workplaces in El Monte
- Atlas AssemblyConnectors, electronic, manufacturing1,648
- El Monte City SchoolsSchool district881FTE
- El Monte Union High SchoolsSchool district828FTE
- Mountain View Elementary SchoolsSchool district596FTE
- FedExCourier and express delivery services536
- LacmtaMixed mode transit systems495
- The GillAircraft assemblies, subassemblies, and parts manufacturing448
- Public HealthHealth program administration314
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 37 workplaces with 20 or more staff, 6,789 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingVery high
- EarthquakesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in El Monte’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Los Angeles County and the Los Angeles-Long Beach-Anaheim, CA metro.
El Monte home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- El Monte$752,488
- California$761,538
- United States$366,157
Sellers are cutting prices on about 1 in 6 El Monte listings, and the typical home goes pending in 27 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- El Monte18.05%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- El Monte87
New listings per month
Sellers arriving at the market.
- El Monte24
Zip codes with a El Monte address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls El Monte — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in El Monte
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 91732 | El Monte | 57,431 | $2,494 | $749,998 |
| 91731 | El Monte | 27,620 | $2,493 | $755,581 |