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City · 15,190 residents · Orange County, California

Coto de Caza , California

In Coto de Caza, a typical home is worth $1,535,600 and typical rent is $3,501 a month. Compared with all of Orange County, typical household income is 110% higher, the typical home value is 60% higher, and the share of households that own their home is 36 points higher.

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  • Typical home value

    $1,535,600

    60% above the county

    109% above California

    • Coto de Caza
    • Orange
    • California

  • Typical rent

    $3,501a month

    44% above the county

    72% above California

    • Coto de Caza
    • Orange
    • California

  • Typical household income

    $243,816a year

    110% above the county

    146% above California

    • Coto de Caza
    • Orange
    • California

  • Households that own their home

    93%

    36 points above the county

    37 points above California

    • Coto de Caza
    • Orange
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,979,033
2.8% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Coto de Caza is in Orange County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Orange County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Coto de Caza apart

What this place has that others do not, from public data, most unusual first.

  1. Coto de Caza has the highest typical rent of the 648 cities in California with more than 5,000 people: $3,501.

  2. 93% of households in Coto de Caza own their home, against 56% in Orange County.

  3. The typical household income in Coto de Caza is $243,816, 110% more than in Orange County as a whole ($116,289).

  4. The typical home in Coto de Caza is worth $1,535,600, 60% more than in Orange County as a whole ($962,600).

  5. Nearby, in Rancho Santa Margarita, the typical home value is $971,200: 37% less than in Coto de Caza ($1,535,600).

  6. Nearby, in Rancho Santa Margarita, the typical rent is $2,625: 25% less than in Coto de Caza ($3,501).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Coto de Caza

What homes there are in Coto de Caza, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 87% of homes here, against 49% in Orange County.

Year built

The typical home in Coto de Caza was built in 1995, 18 years after the typical one in Orange County.

Homes in Coto de Caza are bigger: 89% have 3 bedrooms or more; in Orange County, 56%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Owners with a mortgage

79%

Orange County: 67%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Coto de Caza gained value faster than in Orange County: 47% against 42%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCoto de CazaOrange CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.4%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate8.9%8.2%3.4%
People per household 3.032.872.842.53
Drive alone 61%68%66%69%
Carpool 2%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 34%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Coto de Caza has 3.03 people, more than in Orange County (2.87).

Many people here do not commute at all: 34% work from home; in Orange County, 19%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Coto de Caza?

A typical home costs more than the typical income allows

We start with a typical home in Coto de Caza, worth $1,535,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Coto de Caza, which is $243,816 a year. For that payment to be 28% of income, a household would need to earn about $540,516 a year. Note: at that price the loan is above the FHA limit for Orange County ($1,249,125), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Orange County.

Your numbers

Local data
$

Starts at the typical home value in Coto de Caza. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $53,746 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$12,612

at 7.18% · 30 years

Loan amount
$1,507,786
Total interest
$2,169,351
Paid off in
November 2056

Includes $25,932 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,689 a month

  • Tight

    $5,689 to $7,314 a month

  • Hard

    more than $7,314 a month

    Your payment · 62%

Compared with the typical household income in Coto de Caza ($243,816 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$12,612
Principal & interest$10,214
Property tax$832
Home insurance$640
FHA mortgage insurance (MIP)$926

This loan is over the FHA limit

You'd borrow $1,481,854, but the FHA limit for a one-unit home in Coto de Caza is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $53,746 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Coto de Caza and Orange County

Coto de Caza is in Orange County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Coto de Caza's own numbers

Typical home value
$1,535,600
Typical monthly rent
$3,501
Typical yearly household income
$243,816
Households that own their home
93%
Effective property tax rate
0.65%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Orange County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$3,057
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orange County.

Everything about Orange County

Buying

Buying a home in Coto de Caza

A typical home in Coto de Caza is worth $1,535,600: 60% above the county and 109% above California. With the typical household income in Coto de Caza ($243,816 a year), a typical home costs 6.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Coto de Caza 6.3 years
  • Orange 8.3 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Orange County

According to FHFA’s house price index, home prices in Orange County rose 89% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Orange County.

Period County California U.S.
Last year (2025) +3.3% +0.8% +2.9%
5 years (2020–2025) +54% +40% +47%
10 years (2015–2025) +89% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Coto de Caza next to Orange County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Coto de Caza $1,535,600
  • Orange $962,600
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Coto de Caza $3,501
  • Orange $2,434
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Coto de Caza $243,816
  • Orange $116,289
  • California $99,122
  • United States $80,734
See the full table
Coto de Caza next to Orange County and California
Measure Coto de Caza Orange County California U.S.
Typical home value $1,535,600 $962,600 $734,700 $332,700
Typical monthly rent $3,501 $2,434 $2,036 $1,413
Typical yearly household income $243,816 $116,289 $99,122 $80,734
Households that own their home 93% 56% 56% 65%
Typical yearly property tax $10,001 $6,330 $5,124 $3,119
Effective property tax rate 0.65% 0.66% 0.7% 0.94%
Renters with high rent for their income 63% 57% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Coto de Caza

For a typical $1,535,600 home in Coto de Caza, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Coto de Caza's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $12,612a month

    Above the FHA limit for Orange County ($1,249,125)
    Down payment
    $53,746
    Cash to close
    $99,814
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $926

  • Conventional, 5% down $12,084a month

    Above the conventional limit for Orange County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $76,780
    Cash to close
    $122,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $729

  • Conventional, 20% down, no PMI $9,794a month

    Least cash to close
    Down payment
    $307,120
    Cash to close
    $353,188
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $11,213a month

    Down payment
    $230,340
    Cash to close
    $276,408
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 20% down, no PMI.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Coto de Caza and for Orange County.

Property tax

Effective rate in Coto de Caza

0.65%of the home’s value each year

$10,001 a year for the typical owner in Coto de Caza.

  • Coto de Caza 0.65%
  • Orange 0.66%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Orange County

FEMA does not publish these numbers by city: they are for all of Orange County.

Homes in the high-risk zone
2.8%
22,389
Of those, with NFIP insurance
19%
County California U.S.
Homes in the high-risk zone 2.8% 2.8% 3.5%
Of those, with NFIP insurance 19% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Coto de Caza

Typical rent in Coto de Caza is $3,501 a month: 44% above the county. In Coto de Caza, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($3,057 a month) without spending more than 30% of your income, you would need to earn $58.79 an hour working full time.

HUD fair market rent for all of Orange County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,580 $49.62 $103,200
1 bedroom $2,610 $50.19 $104,400
2 bedrooms $3,057 $58.79 $122,280
3 bedrooms $4,153 $79.87 $166,120
4 bedrooms $4,964 $95.46 $198,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Coto de Caza

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coto de Caza is in ZIP code 92679.

For 2 bedrooms it is $4,140: $1,083 more than the fair market rent for Orange County ($3,057).

  • 92679 $4,140$5,620

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Coto de Caza when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Coto de Caza

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 10 HUD-approved agencies with an office in Orange County; 6 say they serve in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Coto de Caza

No down payment, repair or rent-help program on our list is for Coto de Caza or Orange County. The ones below are statewide in California: they work in Coto de Caza the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Coto de Caza

The HUD-approved agencies closest to the center of Coto de Caza, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Affordable Housing Clearinghouse

    23201 Lake Center Dr Ste 203, Lake Forest · 8 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (949) 859-9255

  • Greenpath Financial Wellness

    5151 California Ave, Irvine · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 217-0543

  • Orange County Fair Housing Council, Inc

    2021 E 4th St, Santa Ana · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (714) 569-0823

Every agency in Orange County All counseling agencies in California

Help in Spanish near Coto de Caza

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Coto de Caza

HUD’s record names them for Coto de Caza or Orange County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

3 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

These cities are also in Orange County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Orange County Housing in California
See 28 more cities in Orange County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Coto de Caza, with the typical home value.

Neighboring counties

If Orange County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Coto de Caza.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Coto de Caza

Short answers with the numbers for Coto de Caza and all of Orange County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Coto de Caza?

The typical home value in Coto de Caza is $1,535,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $962,600.

How much does it cost to rent in Coto de Caza?

Typical rent in Coto de Caza is $3,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $3,057.

What is the FHA loan limit in Coto de Caza?

Coto de Caza uses the FHA limit for all of Orange County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Coto de Caza?

The typical homeowner in Coto de Caza pays $10,001 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Orange County, the rate is 0.66%.

Where can I find free help to buy or rent in Coto de Caza?

There are 10 HUD-approved counseling agencies with an office in Orange County. 6 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).