HomeCaliforniaSan Diego CountyEl Cajon city
El Cajon city, California: commercial real estate data.
El Cajon city 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.
82 sourced place values · tier FULL · 9 sections · 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$257,000
- Ninetieth percentile approval$1,910,000
- 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
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
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
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060289
- Currently effective map date03/03/26
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
San Diego County, not El Cajon
San Diego County context, not El Cajon figures
These are San Diego County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as El Cajon measurements.
- Establishments in San Diego County93,407
- Employment at those establishments, San Diego County1,391,721
- Covered employment, San Diego County1,536,541
- Average annual pay, San Diego County$82,854
- Average weekly wage, San Diego County$1,593
- Housing units permitted, San Diego County11,572
- Of those, single family, San Diego County3,377
- County product, 2024, San Diego County$331,867,565,000
- County product change over the prior year, San Diego County5.3 percent
- Average income of an arriving household, San Diego County$103,475
Every figure in this section is published for San Diego County as a whole and is not a measurement of El Cajon. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $185.9 m, across 55 lenders, median approval $257,000, plus 99 504 approvals worth $69.8 m. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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