HomeCaliforniaSan Diego CountyEl Cajon
El Cajon, California: commercial real estate data.
El Cajon is a Census city of 104,449 people across 14.51 square miles of land, in San Diego County. Median household income is $67,511, 41.5 percent of occupied homes are owned, and the SBA record carries 274 7(a) approvals to borrowers here worth $185.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
El Cajon
What El Cajon is
- Census place typecity
- Land area14.51 sq mi
- Water area0 sq mi
- Population per square mile of land7,199
- County holding the largest share of its areaSan Diego 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 Cajon
How many people live in El Cajon
- Population104,449
- Median age36.1
- Population under 1826,716
- Share under 1825.6 percent
- Population 65 and over15,161
- Share 65 and over14.5 percent
- Households33,890
- Family households24,481
- Share of households that are families72.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cajon
Income and work in El Cajon
- Median household income$67,511
- Per capita income$31,254
- Civilian labor force48,729
- Employed44,063
- Unemployed4,666
- Unemployment rate9.6 percent
- Adults 25 and over68,594
- Adults 25 and over with a high school diploma or higher84.4 percent
- Adults 25 and over with a bachelor degree or higher23.0 percent
- Adults 25 and over with a graduate degree7.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cajon
Housing in El Cajon
- Housing units35,185
- Occupied units33,890
- Vacant units1,295 plus or minus 282
- Vacancy rate3.7 percent plus or minus 0.8
- Owner occupied14,066
- Renter occupied19,824
- Ownership rate41.5 percent
- Median owner-occupied home value$681,700
- Median gross rent, monthly$1,856
- Annual rent as a share of median income33.0 percent
- Single family units16,137
- Share single family45.9 percent
- Units in buildings of two or more17,293
- Share in buildings of two or more49.1 percent
- Mobile homes1,584 plus or minus 343
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cajon
How El Cajon gets to work
- Workers 16 and over who commute38,374
- Commuting under 15 minutes8,409
- Share commuting under 15 minutes21.9 percent
- Commuting 30 minutes or more13,496
- Share commuting 30 minutes or more35.2 percent
- Drove alone72.6 percent
- Carpooled9.4 percent
- Public transport2.3 percent plus or minus 0.7
- Walked2.3 percent plus or minus 0.7
- Worked from home11.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
El Cajon
SBA loans in El Cajon (7(a))
- Approvals274
- Gross approval$185,915,500
- Average approval$678,524
- Median approval$253,500
- Ninetieth percentile approval$1,907,000
- Largest approval$5,000,000
- Jobs supported2,619
- Jobs per approval9.6
- Loans with a final outcome54
- Paid in full48
- Charged off6
- Charge-off rate over resolved loans11.1 percent
- Median term120 months
- Share on real estate terms of 20 years or more21.5 percent
- Share to franchises6.2 percent
- Distinct lenders55
- Distinct industries by NAICS143
Counted by borrower city: approvals to borrowers whose address is in El Cajon, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
El Cajon
SBA loans in El Cajon (504)
- Approvals99
- Gross approval$69,813,000
- Average approval$705,182
- Median approval$514,000
- Largest approval$4,029,000
- Jobs supported1,304
- Loans with a final outcome38
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs10
Counted by borrower city: approvals to borrowers whose address is in El Cajon, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
El Cajon
Flood risk in El Cajon
- NFIP communityCity of El Cajon
- NFIP community number060289
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/03/26
The City of El Cajon participates in the National Flood Insurance Program as community 060289 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.
San Diego County, not El Cajon
San Diego County context, not El Cajon figures
- Establishments in San Diego County93,407
- Covered employment, San Diego County1,536,541
- Average annual pay, San Diego County$82,854
- Housing units permitted, San Diego County11,572
Every figure in this section is published for San Diego County as a whole and is not a measurement of El Cajon.
All San Diego 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 Cajon questions, answered from the record.
How many people live in El Cajon, California?
104,449, in 33,890 households. El Cajon city covers 14.51 square miles of land, which is 7,199 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is El Cajon in?
San Diego 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 Cajon?
$67,511. The median owner-occupied home is valued at $681,700. Median gross rent is $1,856 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 Cajon businesses?
274 7(a) approvals totaling $185.9 m since FY2020, across 55 lenders, median approval $253,500, plus 99 504 approvals worth $69.8 m since FY2010. These count approvals to borrowers whose address is in El Cajon, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to El Cajon borrowers get paid back?
Of the 54 loans that have reached a final outcome, 48 were paid in full and 6 charged off, a charge off rate of 11.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is El Cajon in the National Flood Insurance Program?
Yes. El Cajon appears in the FEMA Community Status Book as El Cajon, city of, community 060289, 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 Cajon figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Diego 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 Cajon.
Is zoning published for El Cajon?
No. Nothing on this page presents parcel level zoning.
Nearby