Indio, California.
Typical home $507,025 (-0.7% in a year), asking rent $2,316 (+3.2%). Riverside-San Bernardino-Ontario, CA metro.
to buy the typical home at today's mortgage rate — +$1,455 (+121%) since Jan 2020.
- 1 year
- Down $3,552 -1%
- $510,577$507,025 since Sep 2025
- 5 years
- Up $76,337 +18%
- $430,688$507,025 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.
- Indio$2,661
- 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 Indio, CA fell 0.7% over the past year — slower than the nation's +1.2%.
Asking rents in Indio, CA rose 3.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Indio runs $1,218/mo more than renting one. The gap peaked at $1,494 in Jun 2024.
That is $3,534 a month against $2,316 rent: a $2,661 mortgage payment, plus $330 property tax and $543 insurance & upkeep.
Owning vs renting — Indio
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$3,534
- Renting$2,316
- Mortgage only$2,661
Property tax · $330/mo 0.78% of value a year — the ACS 2020-2024 median bill over the median home value for Riverside County, CA
Insurance & upkeep · $543/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 Indio, Riverside County, California
Indio is a city of 89,137 people in Riverside County. Half its households earn more than $77,167 a year and half less, against $93,074 across Riverside County; 12% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Indio was 8.2% in August 2026, and Riverside County had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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. Indio is a city in the Coachella Valley, in Riverside County, with a population that has grown past what many small cities reach. Households here have incomes below the county's, and the cost of buying or renting a home is high. Most homes are lived in by their owners, and few adults hold a four-year degree. Winters are mild and almost free of snow, summers are extremely hot, and very little rain falls through the year.
Work. Many residents work in schools, hospitals and social care, followed by restaurants, hotels and entertainment, professional and business services, and shops. Among the largest workplaces in Indio are Fantasy Springs Resort Casino, Desert Mountain Care Center and Ralphs Grocery Company. Unemployment is a little lower than it was a year ago, and most people commute a fairly short way to work, with only a few working from home.
Things to do. Shields Date Gardens is a garden in or beside town, and the Living Desert Zoo and Gardens is a zoo a short drive away. Lake Cahuilla, a reservoir, is also a short drive away. For a longer day out, Joshua Tree National Park is a national park a longer drive away.
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- 31,250households
- 20%of adults have a degree
- 12%below the poverty line
- 23 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Riverside County had 846,070 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 69° and lows near 45°; warmest in July, with highs near 106° and lows near 82°. About 3 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Indio Fire Station weather station, 2 miles away (NOAA).
Largest workplaces in Indio
- Fantasy Springs Resort CasinoCasino hotels1,128
- Builders FirstSourceLumber plywood millwork and wood panel merchant wholesalers831
- Desert Mountain Care CenterSkilled nursing facilities168
- Ralphs Grocery CompanyWarehouse clubs and supercenters155
- Marthas Village and KitchenTemporary shelter130
- Chedraui USASupermarkets and other grocery except convenience stores117
- Builders FirstSourceEngineered wood member manufacturing99
- WalmartSupermarkets and other grocery stores92
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 3,462 people in all. 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
- EarthquakesRelatively high
- Inland floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Indio’s census tracts, against the rest of the country; all of them together, relatively 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 Riverside County and the Riverside-San Bernardino-Ontario, CA metro.
Indio home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Indio$507,025
- California$761,538
- United States$366,157
Sellers are cutting prices on about 1 in 5 Indio listings, and the typical home goes pending in 46 days — the market is heating up.
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.
- Indio20.98%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Indio46
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Indio483
New listings per month
Sellers arriving at the market.
- Indio111
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Indio$539,702
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Indio96.81%
Zip codes with a Indio address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Indio — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Indio
| 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 |
|---|---|---|---|---|
| 92201 | Indio | 65,825 | $2,271 | $463,201 |
| 92203 | Indio | 34,735 | $2,452 | $553,971 |