Indio
Investment Analysis

Indio, CA
Investor Report

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

Share:
43
Investment Score
Buy
Cap Rate (Est.)
2.7%
Gross Yield
4.5%
P/R Ratio
16.1x
YoY Growth
-2.9%
Median Home Price
$555,000
Average Rent (1BR)
$2,104/mo
Median Income
$83,107
Population
93,045

Investment Breakdown

52
Value Score
21
Growth Score
54
Safety Score
42
Afford Score

Indio has a price-to-rent ratio of 16.1x, which indicates buying is moderately favorable.

The estimated cap rate of 2.7% is below average, typical of appreciation-focused markets.

Year-over-year price growth of -2.9% suggests a cooling market.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $2,104
Annual Gross $25,248

Est. Monthly Expenses

Property Tax (~1.5%) -$694
Insurance (~0.5%) -$231
Maintenance (~1%) -$463
Est. Net Cash Flow $717/mo

Price Forecast 2026โ€“2028

๐Ÿ”ฎ Indio Price Forecast 2026โ€“2028

Based on 5-year Zillow ZHVI trend analysis ยท Statistical projection
๐Ÿ“ˆ Upward Trend
PROJECTEDNOW$510K2027$568Kโ–ฒ 11.5%2028$589Kโ–ฒ 15.6%20232024Now
$619K$481K
Current
$555K
2026
Projected
$568K
โ†‘ 11.5% by 2027
Projected
$589K
โ†‘ 15.6% by 2028
5yr CAGR:+6.6%
Confidence:Low
Rยฒ:0.48
โ–ผ

Looking ahead to the 2026-2028 period, our Indio housing market forecast suggests a period of stabilization rather than dramatic growth. The recent YoY Price Change: -2.5% indicates a market cooling from its pandemic-era highs, but this correction appears healthy given the substantial 5-Year Price Change: 40.1%. With a Price-to-Rent Ratio: 18.0x right at the national average, Indio isn't showing extreme overvaluation. The Market Temperature: 58/100 and Days on Market: 58 point to a balanced environment where buyers have more negotiating power than in recent years but sellers aren't facing a fire sale.

For those asking "will Indio home prices drop" significantly, the data suggests moderation over collapse. The city's economy, heavily tied to tourism, events, and healthcare, should provide stability, while ongoing development in the I-10 corridor continues to attract buyers seeking Coachella Valley affordability. The Risk Grade: A- reflects solid fundamentals despite slower appreciation. While the 5-Year CAGR: 6.9% will likely decelerate, the Median Home Price: $509,956 remains accessible compared to coastal California markets. Affordability will be a key driver, as local wage growth must keep pace to sustain demand.

By Indio real estate Indio 2027, we expect price growth to stabilize in the low single digits as inventory normalizes. The NEUTRAL buy/rent verdict suggests both paths are viable depending on personal circumstances. However, the city's role as a regional hub for the Coachella Valley and its relative affordability compared to Palm Springs or Rancho Mirage will continue to support housing demand. The key risk remains the region's exposure to economic cycles tied to tourism and seasonal employment. Overall, Indio presents a balanced opportunity for patient buyers, with prices likely to see modest, sustainable gains rather than sharp declines or explosive growth.

Projected Cap Rate (2027)
2.7%
5yr CAGR
+6.6%

Job Market

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

Healthcare

78
Score
Good

Risk Factors

Declining Prices

Market Activity

Source: Redfin ยท 2026-01-31
Sale-to-List 97.2%
Months Supply 8.0
Price Drops 25%
Gone in 2 Wks 10%

Market Position

Affordability Average
Safety Average

ROI Projector Estimate your total return

Adjust the sliders to model different investment scenarios for Indio.

Total ROI
-113%
on $111,000 invested
Annual ROI
NaN%
compounded
Total Return
-$125,760
appreciation + cashflow
Mo. Cash Flow
-$2,283
year 1 estimate
Equity Growth Over 5 Years
Y1116kY2120kY3126kY4131kY5137k
Appreciation
$0
Cash Flow
-$125,760
Final Equity
$137,019

* 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 Indio

Property

Purchase Price$555,000
Monthly Rent$2,104
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$1,950
Monthly Cash Flow
-$23,401/ year
-21.1%
Cash-on-Cash
1.9%
Cap Rate

Monthly Breakdown

+ Rental Income$2,104
โˆ’ Mortgage (P&I)$2,806
โˆ’ Property Tax$555
โˆ’ Insurance$125
โˆ’ Maintenance$463
โˆ’ Vacancy Loss$105
= Net Cash Flow-$1,950

Investment Summary

Down Payment
$111,000
Loan Amount
$444,000
Total Monthly Expenses
$4,054
Gross Yield
4.5%

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