City · 49,498 residents · Orange County, California
Cypress, California
In Cypress, a typical home is worth $913,900 and typical rent is $2,483 a month. Compared with all of Orange County, typical household income is 12% higher, the typical home value is 5% lower, and the share of households that own their home is 12 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $807,723 to $1,067,841.
Typical rent
$3,015a month
▲ 5.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,329 to $3,015.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cypress 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Hawaiian Gardens, the typical home value is $554,100: 39% less than in Cypress ($913,900).
2
Nearby, in Hawaiian Gardens, the typical rent is $1,696: 32% less than in Cypress ($2,483).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Cypress rose 4%; in California, it rose 0.6%.
4
68% of households in Cypress own their home, against 56% in Orange County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Cypress
What homes there are in Cypress, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Cypress
Orange County
California
United States
Kind of home: Cypress and its comparisons
Measure
Cypress
Orange County
California
United States
Detached house
62%
49%
57%
61%
Attached house
17%
13%
7%
6%
Building of 2 to 4
3%
9%
8%
8%
Apartments (5 or more)
16%
26%
24%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Cypress: 62% of homes, more than in Orange County (49%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Cypress
Orange County
California
United States
Year built: Cypress and its comparisons
Measure
Cypress
Orange County
California
United States
Before 1960
8%
17%
27%
26%
1960–1979
68%
40%
29%
24%
1980–1999
15%
26%
25%
25%
2000–2009
5%
8%
11%
14%
2010 or later
5%
9%
8%
11%
The typical home in Cypress was built in 1971, 6 years before the typical one in Orange County.
In Cypress, 75% of homes have 3 bedrooms or more, more than in Orange County (56%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K1%
$500K–$750K20%
$750K–$1M37%
$1M or more37%
Value of owner-occupied homes: Cypress and its comparisons
Measure
Cypress
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
1%
$500K–$750K
20%
$750K–$1M
37%
$1M or more
37%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,4994%
$1,500–$1,99914%
$2,000–$2,49929%
$2,500–$2,99925%
$3,000 or more24%
Monthly rent with utilities: Cypress and its comparisons
Measure
Cypress
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
4%
$1,500–$1,999
14%
$2,000–$2,499
29%
$2,500–$2,999
25%
$3,000 or more
24%
With a mortgage
$3,250 a month
Orange County: $3,385 a month
Without a mortgage
$772 a month
Orange County: $902 a month
Owners with a mortgage
68%
Orange County: 67%
Owning costs about the same in Cypress as in Orange County: with a mortgage, $3,250 a month; without one, $772.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cypress+44%
Orange County+42%
California+46%
United States+53%
Typical rent
Cypress+31%
Orange County+31%
California+36%
United States+33%
Typical household income
Cypress+40%
Orange County+29%
California+32%
United States+29%
Change since 2015–2019: Cypress and its comparisons
Measure
Cypress
Orange County
California
United States
Typical home value
+44%
+42%
+46%
+53%
Typical rent
+31%
+31%
+36%
+33%
Typical household income
+40%
+29%
+32%
+29%
The typical home value in Cypress rose 44% since 2015–2019, about the same as in Orange County (42%).
Much as in Orange County, the typical rent in Cypress rose 31% since 2015–2019.
To compare: typical income in Cypress rose 40%; the home, +44%; the rent, +31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cypress and its comparisons
Measure
Cypress
Orange County
California
United States
Rental vacancy
Unreliable estimate
4.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
5.1%
8.9%
8.2%
3.4%
People per household
3.02
2.87
2.84
2.53
Drive alone
69%
68%
66%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
1%
2%
3%
3%
Work from home
20%
19%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Cypress, 5.1% of households live with more than one person per room, against 8.9% in Orange County.
More people live in each home here: 3.02 on average, against 2.87 in Orange County.
To get to work, 69% of workers in Cypress drive alone; in Orange County, 68%.
Do the math
What would you pay each month for a home in Cypress?
A typical home costs more than the typical income allows
We start with a typical home in Cypress, worth $913,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Cypress, which is $130,215 a year. For that payment to be 28% of income, a household would need to earn about $322,010 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Cypress. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $31,987 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$7,514
at 7.18% · 30 years
Loan amount
$897,346
Total interest
$1,291,071
Paid off in
November 2056
Includes $15,433 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,038 a month
Tight
$3,038 to $3,906 a month
Hard
more than $3,906 a month
Your payment · 69%
Compared with the typical household income in Cypress ($130,215 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,079
Property tax
$503
Home insurance
$381
FHA mortgage insurance (MIP)
$551
You need at least $31,987 for the down payment, plus closing costs.
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.
Total monthly payment $7,514; principal and interest $6,079.
The city and its county
Cypress and Orange County
Cypress 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).
Cypress
Map of Orange County, California, with Cypress marked. Around it, the neighboring counties.
Cypress
Orange County
Other cities with a page
Cypress's own numbers
Typical home value
$913,900
Typical monthly rent
$2,483
Typical yearly household income
$130,215
Households that own their home
68%
Effective property tax rate
0.66%
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.
A typical home in Cypress is worth $913,900: 5% below the county and 24% above California. With the typical household income in Cypress ($130,215 a year), a typical home costs 7.0 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.
Cypress7.0 years
Orange8.3 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +6.5% +6.5% 2016
2017: +5.2% +5.2% 2017
2018: +5.2% +5.2% 2018
2019: +2.3% +2.3% 2019
2020: +2.2% +2.2% 2020
2021: +9.9% +9.9% 2021
2022: +16.4% +16.4% 2022
2023: +7.3% +7.3% 2023
2024: +8.3% +8.3% 2024
2025: +3.3% +3.3% 2025
Change in FHFA’s price index in Orange County, California and the United States
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
Cypress 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
Cypress$913,900
Orange$962,600
California$734,700
United States$332,700
Typical monthly rent
Cypress$2,483
Orange$2,434
California$2,036
United States$1,413
Typical yearly household income
Cypress$130,215
Orange$116,289
California$99,122
United States$80,734
See the full table
Cypress next to Orange County and California
Measure
Cypress
Orange County
California
U.S.
Typical home value
$913,900 ▼5% below the county
$962,600
$734,700
$332,700
Typical monthly rent
$2,483 ▲2% above the county
$2,434
$2,036
$1,413
Typical yearly household income
$130,215 ▲12% above the county
$116,289
$99,122
$80,734
Households that own their home
68% ▲12 points above the county
56%
56%
65%
Typical yearly property tax
$6,066 ▼4% below the county
$6,330
$5,124
$3,119
Effective property tax rate
0.66%
0.66%
0.7%
0.94%
Renters with high rent for their income
56% ▼1 points below the county
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 Cypress
For a typical $913,900 home in Cypress, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cypress's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,514a month
Least cash to close
Down payment
$31,987
Cash to close
$59,404
Rate
7.18%
Mortgage insurance
FHA MIP · $551
Conventional, 5% down$7,199a month
Down payment
$45,695
Cash to close
$73,112
Rate
7.18%
Mortgage insurance
PMI · $434
Conventional, 20% down, no PMI$5,836a month
Down payment
$182,780
Cash to close
$210,197
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,681a month
Down payment
$137,085
Cash to close
$164,502
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cypress
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$7,514
$31,987
$897,347
7.18%
FHA MIP · $551
$59,404
580
Conventional, 5% down
$7,199
$45,695
$868,205
7.18%
PMI · $434
$73,112
620*
Conventional, 20% down, no PMI
$5,836
$182,780
$731,120
7.18%
None
$210,197
620*
ITIN, 15% down (example)
$6,681
$137,085
$776,815
8.18%
None
$164,502
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
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.
Typical rent in Cypress is $2,483 a month: 2% above the county. In Cypress, 56% 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.
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.
No down payment, repair or rent-help program on our list is for Cypress or Orange County. The ones below are statewide in California: they work in Cypress the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Cypress or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Cypress 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 Cypress?
The typical home value in Cypress is $913,900, 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 Cypress?
Typical rent in Cypress is $2,483 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 Cypress?
Cypress 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 Cypress?
The typical homeowner in Cypress pays $6,066 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Orange County, the rate is 0.66%.
Where can I find free help to buy or rent in Cypress?
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.
