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Home Buying Guide: Rancho Cucamonga, CA

Home Buying Guide: Rancho Cucamonga, CA

With a population exceeding 175,000 and still growing, sunny Rancho Cucamonga is one of California’s best cities in which to live and work. We have some of the nation’s best weather, great local employers and some of the best public schools in the state. Californians have taken notice of Rancho Cucamonga’s desirable lifestyle; less than 2 percent of our homes are without owners at any given time. It’s a great housing market — but it definitely favors sellers.

Are you thinking about buying a home in Rancho Cucamonga? We’ve got a few suggestions that can make the process easier.


According to, the average listing price per square foot of homes in Rancho Cucamonga has increased by nearly 16 percent in just two years. We have an extremely healthy housing market with few foreclosures and few owners delinquent on mortgage payments. In other words, the market has plenty of qualified buyers and not enough properties to go around.

When you find the ideal home in Rancho Cucamonga, you may need to offer more than the home’s asking price to close the deal before another potential buyer swoops in. You’ll also need to arrange financing before making the offer. Do it quickly, because most homes in Rancho Cucamonga sell after less than three months on the market.

Investment Value

Within the next year, homes in Rancho Cucamonga should appreciate in value by nearly 5 percent. Although the market may presently favor sellers, you can buy with the confidence that you will gain equity in the long term. Just 0.1 percent of homeowners in Rancho Cucamonga owe more than their homes are worth.

Are you looking for a home that you could potentially sell for a profit in the future? Look for a home with a kitchen and bathrooms that could use some work. Prospective buyers often look for homes with remodeled kitchens and bathrooms. If they don’t like what they see, they steer clear. If you purchase a home and remodel the kitchens and bathrooms yourself, though, statistics suggest that you’ll earn more than the cost of the remodeling project when you sell the home. Alternatively, look for a home with multiple bedrooms and only one bathroom. Add a bathroom to increase the home’s value by about 8.7 percent.

Mello-Roos Taxes

Are you considering buying a newer property? Rancho Cucamonga has expanded rapidly in recent decades. If you buy a home built within the last 15-20 years, it’s likely that you’ll need to pay a Mello-Roos tax in addition to your standard property tax. In California, Mello-Roos taxes help communities pay for public services and infrastructure such as roads, sewers, schools and fire departments in areas that were once rural. In Rancho Cucamonga, people who own homes built more than 20 years ago generally don’t need to pay Mello-Roos taxes. If you purchase a newer home, your total property tax rate could increase from about 1.1 percent to as much as 1.9 percent. Consider the additional taxes you’ll pay before making an offer on a home.