El Monte
Investment Analysis

El Monte, CA
Investor Report

Comprehensive real estate investment analysis with cap rates, rental yields, and risk assessment.

Share:
44
Investment Score
Hold
Cap Rate (Est.)
2.3%
Gross Yield
3.8%
P/R Ratio
22.1x
YoY Growth
-0.2%
Median Home Price
$710,500
Average Rent (1BR)
$2,252/mo
Median Income
$64,991
Population
103,782

Investment Breakdown

34
Value Score
48
Growth Score
66
Safety Score
35
Afford Score

El Monte has a price-to-rent ratio of 22.1x, which indicates renting and buying are roughly equal.

The estimated cap rate of 2.3% is below average, typical of appreciation-focused markets.

Year-over-year price growth of -0.2% suggests a cooling market.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $2,252
Annual Gross $27,024

Est. Monthly Expenses

Property Tax (~1.5%) -$888
Insurance (~0.5%) -$296
Maintenance (~1%) -$592
Est. Net Cash Flow $476/mo

Price Forecast 2026โ€“2028

๐Ÿ”ฎ El Monte Price Forecast 2026โ€“2028

Based on 5-year Zillow ZHVI trend analysis ยท Statistical projection
๐Ÿ“ˆ Upward Trend
PROJECTEDNOW$751K2027$795Kโ–ฒ 5.8%2028$823Kโ–ฒ 9.5%20232024Now
$864K$634K
Current
$711K
2026
Projected
$795K
โ†‘ 5.8% by 2027
Projected
$823K
โ†‘ 9.5% by 2028
5yr CAGR:+5.0%
Confidence:Moderate
Rยฒ:0.81
โ–ผ

Looking at the El Monte housing market forecast, the data suggests a period of consolidation rather than significant growth through 2026-2028. With a median home price of $751,259 and a price-to-rent ratio of 24.7x, affordability remains a major hurdle, significantly above the national average. The market has cooled considerably, evidenced by a minimal YoY price change of 0.2% and a market temperature score of 60/100. While the 5-year CAGR of 5.0% shows historical resilience, the current stagnation indicates that future appreciation will likely be modest. For potential buyers asking if El Monte home prices will drop, the risk grade of A- and low days on market at 35 suggest prices are more likely to stabilize than crash, supported by persistent demand in the San Gabriel Valley.

For investors and residents evaluating 2027, the local economic landscape and affordability constraints will be defining factors. El Monte's proximity to major employment hubs in Los Angeles and the Inland Empire provides a steady stream of renters, making the median rent of $2,252/mo a key metric for cash flow analysis. However, with the buy/rent verdict leaning heavily toward "RENT," the cost of ownership is currently difficult to justify against rental income potential. Growth in the logistics and light industrial sectors along the I-10 corridor may support the local economy, but high interest rates and inventory constraints will likely keep the market balanced. Ultimately, the El Monte real estate El Monte 2027 outlook points to a stable but unexciting environment where price growth tracks closely with inflation rather than surging ahead.

Projected Cap Rate (2027)
2.1%
5yr CAGR
+5%

Job Market

Unemployment 5.2%
National avg: 3.7%
Job Growth (YoY) +1.5%

Healthcare

78
Score
Good

Risk Factors

Low Inventory
Declining Prices

Market Activity

Source: Redfin ยท 2026-01-31
Sale-to-List 97.6%
Months Supply 5.7
Price Drops 21%
Gone in 2 Wks 29%

Market Position

Affordability Average
Safety Average

ROI Projector Estimate your total return

Adjust the sliders to model different investment scenarios for El Monte.

Total ROI
-133%
on $142,100 invested
Annual ROI
NaN%
compounded
Total Return
-$188,518
appreciation + cashflow
Mo. Cash Flow
-$3,342
year 1 estimate
Equity Growth Over 5 Years
Y1148kY2154kY3161kY4168kY5175k
Appreciation
$0
Cash Flow
-$188,518
Final Equity
$175,409

* Estimates based on 0.0% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

Pre-filled for El Monte

Property

Purchase Price$710,500
Monthly Rent$2,252
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$2,881
Monthly Cash Flow
-$34,570/ year
-24.3%
Cash-on-Cash
1.2%
Cap Rate

Monthly Breakdown

+ Rental Income$2,252
โˆ’ Mortgage (P&I)$3,593
โˆ’ Property Tax$711
โˆ’ Insurance$125
โˆ’ Maintenance$592
โˆ’ Vacancy Loss$113
= Net Cash Flow-$2,881

Investment Summary

Down Payment
$142,100
Loan Amount
$568,400
Total Monthly Expenses
$5,133
Gross Yield
3.8%

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: March 2026