Orange County, California home prices
Typical home $1,174,873 · +3.2% in a year · property tax 0.66%
The typical home in Orange County is worth $1,174,873, 54% more than the California typical home ($761,538). Values changed +3.2% in the past year and +36.6% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($7,726 on the typical home), versus 0.72% statewide.
Mortgage on the typical Orange County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $234,975 | $939,899 | $6,323 | $0 | $1,231 | $7,554 | $323,700 |
| 10% down | $117,487 | $1,057,386 | $7,113 | $441 | $1,231 | $8,785 | $376,500 |
| 5% down | $58,744 | $1,116,130 | $7,508 | $465 | $1,231 | $9,205 | $394,500 |
| 3.5% down (FHA) | $41,121 | $1,153,593 | $7,760 | $520 | $1,231 | $9,511 | $407,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Los Angeles metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Santa Cruz County | $1,136,188 | +4.8% | 0.64% |
| Alameda County | $1,044,951 | -0.4% | 0.78% |
| Santa Barbara County | $988,595 | +4.3% | 0.65% |
| San Diego County | $926,979 | +0.8% | 0.68% |
| San Francisco County | $1,441,170 | +15.5% | 0.71% |
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
| Los Angeles County | $871,674 | +0.4% | 0.68% |
| Ventura County | $869,794 | +1.1% | 0.68% |
| Napa County | $869,491 | -1.0% | 0.69% |
| Marin County | $1,484,731 | +4.8% | 0.66% |
Frequently asked questions
What is the average home price in Orange County, CA?
The typical home value in Orange County is $1,174,873 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Orange County?
About $323,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Orange County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).