City · 61,970 residents · Orange County, California
La Habra, California
In La Habra, a typical home is worth $781,600 and typical rent is $2,129 a month. Compared with all of Orange County, the typical home value is 19% lower and typical household income is 14% lower.
Typical home value from Zillow, September 2021 to September 2026: from $723,350 to $900,627.
Typical rent
$2,753a month
▲ 2.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,230 to $2,753.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
La Habra 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 East Whittier, the typical rent is $1,794: 16% less than in La Habra ($2,129).
2
The typical home in La Habra is worth $781,600,19% less than in Orange County as a whole ($962,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in La Habra
What homes there are in La Habra, 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
La Habra
Orange County
California
United States
Kind of home: La Habra and its comparisons
Measure
La Habra
Orange County
California
United States
Detached house
52%
49%
57%
61%
Attached house
10%
13%
7%
6%
Building of 2 to 4
8%
9%
8%
8%
Apartments (5 or more)
27%
26%
24%
19%
Mobile home
3%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Orange County, most homes in La Habra are detached houses (52%).
Year built
Before 19601960–19791980–19992000–20092010 or later
La Habra
Orange County
California
United States
Year built: La Habra and its comparisons
Measure
La Habra
Orange County
California
United States
Before 1960
34%
17%
27%
26%
1960–1979
43%
40%
29%
24%
1980–1999
16%
26%
25%
25%
2000–2009
4%
8%
11%
14%
2010 or later
4%
9%
8%
11%
The typical home in La Habra was built in 1968, 9 years before the typical one in Orange County.
Much as in Orange County, 53% of homes in La Habra have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K4%
$100K–$200K3%
$200K–$300KUnreliable
$300K–$500K11%
$500K–$750K25%
$750K–$1M37%
$1M or more17%
Value of owner-occupied homes: La Habra and its comparisons
Measure
La Habra
Under $100K
4%
$100K–$200K
3%
$200K–$300K
Unreliable estimate
$300K–$500K
11%
$500K–$750K
25%
$750K–$1M
37%
$1M or more
17%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9993%
$1,000–$1,49910%
$1,500–$1,99926%
$2,000–$2,49937%
$2,500–$2,99914%
$3,000 or more9%
Monthly rent with utilities: La Habra and its comparisons
Measure
La Habra
Under $500
Unreliable estimate
$500–$999
3%
$1,000–$1,499
10%
$1,500–$1,999
26%
$2,000–$2,499
37%
$2,500–$2,999
14%
$3,000 or more
9%
With a mortgage
$2,907 a month
Orange County: $3,385 a month
Without a mortgage
$779 a month
Orange County: $902 a month
Owners with a mortgage
70%
Orange County: 67%
In La Habra, 70% of owners have a mortgage, and their typical cost is $2,907 a month, against $3,385 in Orange County. Without one it drops to $779.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
La Habra+45%
Orange County+42%
California+46%
United States+53%
Typical rent
La Habra+36%
Orange County+31%
California+36%
United States+33%
Typical household income
La Habra+26%
Orange County+29%
California+32%
United States+29%
Change since 2015–2019: La Habra and its comparisons
Measure
La Habra
Orange County
California
United States
Typical home value
+45%
+42%
+46%
+53%
Typical rent
+36%
+31%
+36%
+33%
Typical household income
+26%
+29%
+32%
+29%
The typical home value in La Habra rose 45% since 2015–2019, more than in Orange County (42%).
Since 2015–2019, the typical rent in La Habra rose 36%, more than in Orange County (31%).
Housing prices ran ahead of income in La Habra: typical income rose 26%, against +45% for home values and +36% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: La Habra and its comparisons
Measure
La Habra
Orange County
California
United States
Rental vacancy
3.3%
4.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
9.9%
8.9%
8.2%
3.4%
People per household
2.98
2.87
2.84
2.53
Drive alone
70%
68%
66%
69%
Carpool
11%
9%
10%
9%
Public transit
2%
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
14%
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
The rental vacancy rate in La Habra is 3.3%, lower than in Orange County (4.4%).
More than one person per room: that is how 9.9% of households in La Habra live, more than in Orange County (8.9%).
By size, households in La Habra look like those in Orange County: 2.98 people on average.
To get to work, 70% of workers in La Habra drive alone; in Orange County, 68%.
Do the math
What would you pay each month for a home in La Habra?
A typical home costs more than the typical income allows
We start with a typical home in La Habra, worth $781,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 75% of the typical household income in La Habra, which is $100,106 a year. For that payment to be 28% of income, a household would need to earn about $269,170 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 La Habra. 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 $27,356 (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
$6,281
at 7.18% · 30 years
Loan amount
$767,443
Total interest
$1,104,171
Paid off in
November 2056
Includes $13,199 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,336 a month
Tight
$2,336 to $3,003 a month
Hard
more than $3,003 a month
Your payment · 75%
Compared with the typical household income in La Habra ($100,106 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,199
Property tax
$410
Home insurance
$326
FHA mortgage insurance (MIP)
$346
You need at least $27,356 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 $6,281; principal and interest $5,199.
The city and its county
La Habra and Orange County
La Habra 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).
Map of Orange County, California, with La Habra marked. Around it, the neighboring counties.
Orange County
La Habra's own numbers
Typical home value
$781,600
Typical monthly rent
$2,129
Typical yearly household income
$100,106
Households that own their home
58%
Effective property tax rate
0.63%
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 La Habra is worth $781,600: 19% below the county and 6% above California. With the typical household income in La Habra ($100,106 a year), a typical home costs 7.8 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.
La Habra7.8 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
La Habra 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
La Habra$781,600
Orange$962,600
California$734,700
United States$332,700
Typical monthly rent
La Habra$2,129
Orange$2,434
California$2,036
United States$1,413
Typical yearly household income
La Habra$100,106
Orange$116,289
California$99,122
United States$80,734
See the full table
La Habra next to Orange County and California
Measure
La Habra
Orange County
California
U.S.
Typical home value
$781,600 ▼19% below the county
$962,600
$734,700
$332,700
Typical monthly rent
$2,129 ▼13% below the county
$2,434
$2,036
$1,413
Typical yearly household income
$100,106 ▼14% below the county
$116,289
$99,122
$80,734
Households that own their home
58% ▲2 points above the county
56%
56%
65%
Typical yearly property tax
$4,892 ▼23% below the county
$6,330
$5,124
$3,119
Effective property tax rate
0.63% ▼0.03 points below the county
0.66%
0.7%
0.94%
Renters with high rent for their income
53% ▼4 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 La Habra
For a typical $781,600 home in La Habra, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, La Habra's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,281a month
Least cash to close
Down payment
$27,356
Cash to close
$50,804
Rate
7.18%
Mortgage insurance
FHA MIP · $346
Conventional, 5% down$6,137a month
Down payment
$39,080
Cash to close
$62,528
Rate
7.18%
Mortgage insurance
PMI · $371
Conventional, 20% down, no PMI$4,972a month
Down payment
$156,320
Cash to close
$179,768
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,694a month
Down payment
$117,240
Cash to close
$140,688
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in La Habra
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,281
$27,356
$767,443
7.18%
FHA MIP · $346
$50,804
580
Conventional, 5% down
$6,137
$39,080
$742,520
7.18%
PMI · $371
$62,528
620*
Conventional, 20% down, no PMI
$4,972
$156,320
$625,280
7.18%
None
$179,768
620*
ITIN, 15% down (example)
$5,694
$117,240
$664,360
8.18%
None
$140,688
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 La Habra is $2,129 a month: 13% below the county. In La Habra, 53% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
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 La Habra
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). La Habra is in ZIP code 90631.
For 2 bedrooms it is $2,690: $367 less than the fair market rent for Orange County ($3,057).
Fair market rent by ZIP code and size in La Habra, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
90631
$2,230
$2,280
$2,690
$3,620
$4,300
ZIP code2 bd3 bd
90631 $2,690$3,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for La Habra 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 La Habra or Orange County. The ones below are statewide in California: they work in La Habra 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 La Habra 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 La Habra 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 La Habra?
The typical home value in La Habra is $781,600, 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 La Habra?
Typical rent in La Habra is $2,129 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 La Habra?
La Habra 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 La Habra?
The typical homeowner in La Habra pays $4,892 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Orange County, the rate is 0.66%.
Where can I find free help to buy or rent in La Habra?
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.
