Home Values in Rancho Cucamonga, California — 2026 Market Report
Updated March 2026 | Seller's Market | +3.5% YoY
The median home value in Rancho Cucamonga, California is $645,000 as of March 2026, which is above the national median of $400,000. Home values in Rancho Cucamonga have increased by 3.5% over the past year and 18.8% over the last five years. With a population of 177,603 and a median household income of $85,250, the price-to-income ratio stands at 7.6x, making Rancho Cucamonga affordable for the average household.
Rancho Cucamonga Housing Market Conditions
| Metric | Rancho Cucamonga | National Avg |
|---|---|---|
| Median Home Value | $645,000 | $400,000 |
| YoY Appreciation | +3.5% | +3.8% |
| 5-Year Appreciation | +18.8% | +22.4% |
| Price per Sq Ft | $480 | $222 |
| Days on Market | 37 days | 45 days |
| Months of Supply | 1.9 | 3.5 |
| List-to-Sale Ratio | 98.9% | 98.5% |
| Monthly Homes Sold | 125 | — |
| Foreclosure Rate | 0.16% | 0.3% |
Home Value Trends in Rancho Cucamonga
A homeowner who purchased at the median price of $542,929 five years ago in Rancho Cucamonga would have gained approximately $102,071 in equity, representing a 18.8% return on investment. Over the past year alone, the typical homeowner gained $21,812 in home equity.
Affordability in Rancho Cucamonga, CA
With a median household income of $85,250 and a median home price of $645,000, the price-to-income ratio in Rancho Cucamonga is 7.6x. A ratio below 3x is generally considered affordable, while above 5x indicates significant affordability challenges. The average monthly rent of $4,456 compared to estimated monthly ownership costs of $3,473 gives a rent-vs-buy ratio of 0.78. In Rancho Cucamonga, buying is currently competitive with renting when factoring in equity accumulation.
Property Taxes in Rancho Cucamonga
The effective property tax rate in California is 0.76%. On a home valued at $645,000, the estimated annual property tax bill is $4,902, or approximately $409/month. Property taxes are an important factor in the total cost of homeownership and can significantly impact affordability. The cost of living index in Rancho Cucamonga is 125.5 (100 = national average), indicating living costs are above the national average.
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Open Mortgage CalculatorFrequently Asked Questions
What is the median home value in Rancho Cucamonga, CA?
The median home value in Rancho Cucamonga, California is $645,000 as of March 2026. Home values have changed +3.5% over the past year, with a 5-year appreciation of 18.8%.
Is Rancho Cucamonga a buyer's or seller's market?
Rancho Cucamonga is currently a seller's market with 1.9 months of housing supply. Homes spend an average of 37 days on market, and the list-to-sale price ratio is 98.9%. Low inventory gives sellers an advantage.
Are home values going up in Rancho Cucamonga?
Yes, home values in Rancho Cucamonga have increased by 3.5% over the past year. The 5-year appreciation rate is 18.8%, meaning a home worth $542,929 five years ago is now worth $645,000.
Is it better to rent or buy in Rancho Cucamonga?
The average monthly rent in Rancho Cucamonga is $4,456, while estimated monthly homeownership costs are approximately $3,473. The price-to-rent ratio is 12.1. Based on current conditions, buying may be more cost-effective than renting in this market.
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Disclaimer: Home value data for Rancho Cucamonga, California is based on publicly available market data and estimates. Actual home values may vary based on property condition, location within the city, and current market conditions. Data is updated regularly but may not reflect the most recent transactions. Last updated: March 2026.