HomeCaliforniaContra Costa CountyEl Cerrito
El Cerrito, California: commercial real estate data.
El Cerrito is a Census city of 25,994 people across 3.67 square miles of land, in Contra Costa County. Median household income is $127,876, 58.6 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $14.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
El Cerrito
What El Cerrito is
- Census place typecity
- Land area3.67 sq mi
- Water area0 sq mi
- Population per square mile of land7,079
- County holding the largest share of its areaContra Costa County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cerrito
How many people live in El Cerrito
- Population25,994
- Median age41.8
- Population under 184,391
- Share under 1816.9 percent
- Population 65 and over5,363
- Share 65 and over20.6 percent
- Households10,831
- Family households6,787
- Share of households that are families62.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cerrito
Income and work in El Cerrito
- Median household income$127,876
- Per capita income$73,055
- Civilian labor force14,539
- Employed13,692
- Unemployed847 plus or minus 183
- Unemployment rate5.8 percent plus or minus 1.2
- Adults 25 and over19,863
- Adults 25 and over with a high school diploma or higher96.3 percent
- Adults 25 and over with a bachelor degree or higher67.6 percent
- Adults 25 and over with a graduate degree32.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cerrito
Housing in El Cerrito
- Housing units11,247
- Occupied units10,831
- Vacant units416 plus or minus 159
- Vacancy rate3.7 percent plus or minus 1.4
- Owner occupied6,351
- Renter occupied4,480
- Ownership rate58.6 percent
- Median owner-occupied home value$1,124,400
- Median gross rent, monthly$2,548
- Annual rent as a share of median income23.9 percent
- Single family units7,952
- Share single family70.7 percent
- Units in buildings of two or more3,295
- Share in buildings of two or more29.3 percent
- Mobile homes0
- Median year structure built1956
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cerrito
How El Cerrito gets to work
- Workers 16 and over who commute9,164
- Commuting under 15 minutes1,392
- Share commuting under 15 minutes15.2 percent
- Commuting 30 minutes or more4,877
- Share commuting 30 minutes or more53.2 percent
- Drove alone40.6 percent
- Carpooled5.9 percent plus or minus 1.5
- Public transport15.3 percent
- Walked2.7 percent plus or minus 0.8
- Worked from home31.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cerrito
SBA loans in El Cerrito (7(a))
- Approvals23
- Gross approval$14,770,800
- Average approval$642,209
- Median approval$310,000
- Ninetieth percentile approval$1,255,000
- Largest approval$4,216,000
- Jobs supported313
- Jobs per approval13.6
- Loans with a final outcome6
- Paid in full5
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more30.4 percent
- Share to franchises13.0 percent
- Distinct lenders18
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in El Cerrito, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
El Cerrito
SBA loans in El Cerrito (504)
- Approvals11
- Gross approval$5,552,000
- Average approval$504,727
- Median approval$412,000
- Largest approval$920,000
- Jobs supported41
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in El Cerrito, in any county, FY2010 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
El Cerrito
Flood risk in El Cerrito
- NFIP communityCity of El Cerrito
- NFIP community number065027
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/21/17
The City of El Cerrito participates in the National Flood Insurance Program as community 065027 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Contra Costa County, not El Cerrito
Contra Costa County context, not El Cerrito figures
- Establishments in Contra Costa County25,932
- Covered employment, Contra Costa County373,992
- Average annual pay, Contra Costa County$86,234
- Housing units permitted, Contra Costa County2,155
Every figure in this section is published for Contra Costa County as a whole and is not a measurement of El Cerrito.
All Contra Costa County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
El Cerrito questions, answered from the record.
How many people live in El Cerrito, California?
25,994, in 10,831 households. El Cerrito city covers 3.67 square miles of land, which is 7,079 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is El Cerrito in?
Contra Costa County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in El Cerrito?
$127,876. The median owner-occupied home is valued at $1,124,400. Median gross rent is $2,548 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to El Cerrito businesses?
23 7(a) approvals totaling $14.8 m since FY2020, across 18 lenders, median approval $310,000, plus 11 504 approvals worth $5.6 m since FY2010. These count approvals to borrowers whose address is in El Cerrito, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to El Cerrito borrowers get paid back?
No rate is published for El Cerrito. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is El Cerrito in the National Flood Insurance Program?
Yes. El Cerrito appears in the FEMA Community Status Book as El Cerrito, city of, community 065027, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page El Cerrito figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Contra Costa County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of El Cerrito.
Is zoning published for El Cerrito?
No. Nothing on this page presents parcel level zoning.