City · 138,266 residents · Orange County, California
Orange, California
In Orange, a typical home is worth $945,800 and typical rent is $2,327 a month. Home values, rent and income are very close to those of all of Orange County.
Typical home value from Zillow, September 2021 to September 2026: from $845,175 to $1,120,386.
Typical rent
$3,037a month
▲ 3.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,460 to $3,037.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Orange 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 Santa Ana, the typical home value is $713,000: 25% less than in Orange ($945,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Orange
What homes there are in Orange, 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
Orange
Orange County
California
United States
Kind of home: Orange and its comparisons
Measure
Orange
Orange County
California
United States
Detached house
56%
49%
57%
61%
Attached house
10%
13%
7%
6%
Building of 2 to 4
11%
9%
8%
8%
Apartments (5 or more)
21%
26%
24%
19%
Mobile home
3%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Orange, 6 in 10 homes are single-family detached houses; in Orange County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Orange
Orange County
California
United States
Year built: Orange and its comparisons
Measure
Orange
Orange County
California
United States
Before 1960
20%
17%
27%
26%
1960–1979
45%
40%
29%
24%
1980–1999
23%
26%
25%
25%
2000–2009
7%
8%
11%
14%
2010 or later
6%
9%
8%
11%
The typical home in Orange was built in 1973, 4 years before the typical one in Orange County.
There is more room for a big family here: 59% of homes have 3 bedrooms or more, against 56% in Orange County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either side
Under $100K3%
$100K–$200K2%
$200K–$300K1%
$300K–$500K5%
$500K–$750K12%
$750K–$1M35%
$1M or more43%
FHA limit: $1,249,125
Value of owner-occupied homes: Orange and its comparisons
Measure
Orange
Under $100K
3%
$100K–$200K
2%
$200K–$300K
1%
$300K–$500K
5%
$500K–$750K
12%
$750K–$1M
35%
$1M or more
43%
At least 58% of owner-occupied homes in Orange are worth less than $1,000,000, below the FHA loan limit for Orange County ($1,249,125).
Monthly rent with utilities
Under the limitOver the limitCould be either side
Under $5004%
$500–$9993%
$1,000–$1,4995%
$1,500–$1,99919%
$2,000–$2,49928%
$2,500–$2,99917%
$3,000 or more23%
HUD fair market rent, 2 bedrooms: $3,057
Monthly rent with utilities: Orange and its comparisons
Measure
Orange
Under $500
4%
$500–$999
3%
$1,000–$1,499
5%
$1,500–$1,999
19%
$2,000–$2,499
28%
$2,500–$2,999
17%
$3,000 or more
23%
HUD's 2-bedroom fair market rent for Orange County is high ($3,057): at least 77% of rents in Orange cost less than $3,000.
With a mortgage
$3,339 a month
Orange County: $3,385 a month
Without a mortgage
$856 a month
Orange County: $902 a month
Owners with a mortgage
72%
Orange County: 67%
The typical cost for an owner with a mortgage in Orange is $3,339 a month, near the figure in Orange County ($3,385).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Orange+44%
Orange County+42%
California+46%
United States+53%
Typical rent
Orange+29%
Orange County+31%
California+36%
United States+33%
Typical household income
Orange+28%
Orange County+29%
California+32%
United States+29%
Change since 2015–2019: Orange and its comparisons
Measure
Orange
Orange County
California
United States
Typical home value
+44%
+42%
+46%
+53%
Typical rent
+29%
+31%
+36%
+33%
Typical household income
+28%
+29%
+32%
+29%
The typical home value in Orange rose 44% since 2015–2019, about the same as in Orange County (42%).
Rents in Orange rose at about the same pace as in Orange County: 29% since 2015–2019, against 31%.
While home values in Orange changed +44% and rent +29%, the typical household income rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Orange and its comparisons
Measure
Orange
Orange County
California
United States
Rental vacancy
3.7%
4.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
7.8%
8.9%
8.2%
3.4%
People per household
2.91
2.87
2.84
2.53
Drive alone
68%
68%
66%
69%
Carpool
9%
9%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
3%
2%
3%
3%
Work from home
18%
19%
17%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Orange, the rental vacancy rate is 3.7%, about the same as in Orange County.
In Orange, 7.8% of households live with more than one person per room, against 8.9% in Orange County.
Much as in Orange County, a household in Orange has 2.91 people on average.
In Orange, 68% of workers drive alone to work; in Orange County, 68%.
Do the math
What would you pay each month for a home in Orange?
A typical home costs more than the typical income allows
We start with a typical home in Orange, worth $945,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 80% of the typical household income in Orange, which is $117,113 a year. For that payment to be 28% of income, a household would need to earn about $333,250 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 Orange. 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 $33,103 (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
$7,776
at 7.18% · 30 years
Loan amount
$928,669
Total interest
$1,336,137
Paid off in
November 2056
Includes $15,972 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,733 a month
Tight
$2,733 to $3,513 a month
Hard
more than $3,513 a month
Your payment · 80%
Compared with the typical household income in Orange ($117,113 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,291
Property tax
$520
Home insurance
$394
FHA mortgage insurance (MIP)
$570
You need at least $33,103 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 $7,776; principal and interest $6,291.
The city and its county
Orange and Orange County
Orange 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).
Orange
Map of Orange County, California, with Orange marked. Around it, the neighboring counties.
Orange
Orange County
Other cities with a page
Orange's own numbers
Typical home value
$945,800
Typical monthly rent
$2,327
Typical yearly household income
$117,113
Households that own their home
57%
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 Orange is worth $945,800: about the same as the county and 29% above California. With the typical household income in Orange ($117,113 a year), a typical home costs 8.1 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.
Orange8.1 years
County8.3 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
Orange 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
Orange$945,800
County$962,600
California$734,700
United States$332,700
Typical monthly rent
Orange$2,327
County$2,434
California$2,036
United States$1,413
Typical yearly household income
Orange$117,113
County$116,289
California$99,122
United States$80,734
See the full table
Orange next to Orange County and California
Measure
Orange
Orange County
California
U.S.
Typical home value
$945,800
$962,600
$734,700
$332,700
Typical monthly rent
$2,327 ▼4% below the county
$2,434
$2,036
$1,413
Typical yearly household income
$117,113
$116,289
$99,122
$80,734
Households that own their home
57%
56%
56%
65%
Typical yearly property tax
$6,215
$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
54% ▼3 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 Orange
For a typical $945,800 home in Orange, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orange's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,776a month
Least cash to close
Down payment
$33,103
Cash to close
$61,477
Rate
7.18%
Mortgage insurance
FHA MIP · $570
Conventional, 5% down$7,450a month
Down payment
$47,290
Cash to close
$75,664
Rate
7.18%
Mortgage insurance
PMI · $449
Conventional, 20% down, no PMI$6,040a month
Down payment
$189,160
Cash to close
$217,534
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,914a month
Down payment
$141,870
Cash to close
$170,244
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Orange
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$7,776
$33,103
$928,669
7.18%
FHA MIP · $570
$61,477
580
Conventional, 5% down
$7,450
$47,290
$898,510
7.18%
PMI · $449
$75,664
620*
Conventional, 20% down, no PMI
$6,040
$189,160
$756,640
7.18%
None
$217,534
620*
ITIN, 15% down (example)
$6,914
$141,870
$803,930
8.18%
None
$170,244
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 Orange is $2,327 a month: 4% below the county. In Orange, 54% 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 Orange
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orange has 5 ZIP codes with their own.
For 2 bedrooms it runs from $2,920 in 92866 to $3,240 in 92868.
2 of the 5 are above the fair market rent for Orange County ($3,057).
2-bedroom fair market rent in each of the 5 ZIP codes of Orange, beside the one for Orange County. For 2 bedrooms it runs from $2,920 in 92866 to $3,240 in 92868. 2 of the 5 are above the fair market rent for Orange County ($3,057).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $3,057
Lowest: $2,920 (92866)Highest: $3,240 (92868)
Fair market rent by ZIP code and size in Orange, fiscal year 2027.
92865
$2,610
$2,640
$3,090
$4,200
$5,020
92866
$2,420
$2,480
$2,920
$3,960
$4,730
92867
$2,420
$2,480
$2,920
$3,960
$4,730
92868
$2,730
$2,770
$3,240
$4,400
$5,260
92869
$2,520
$2,550
$2,990
$4,060
$4,860
ZIP code2 bd3 bd
92865 $3,090$4,200
92866 $2,920$3,960
92867 $2,920$3,960
92868 $3,240$4,400
92869 $2,990$4,060
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Orange 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)
HUD lists 14 buildings with rents for lower incomes in Orange. These are the largest.
Community Garden Towers3919 W Garden Grove Blvd, Orange 92868333 homes, 332 low-income · 1 bd: 332 · 2 bd: 1 · In service since 2002 · For older adults(714) 971-2522
The Knolls (ORANGE)206 N Prospect St, Orange 92869260 low-income homes · In service since 1996
Harmony Creek Apts1616 E Rock Creek Dr, Orange 9286683 low-income homes · In service since 1997 · For older adults
Casa Ramon Apts840 W Walnut Ave, Orange 9286875 low-income homes · 1 bd: 26 · 2 bd: 41 · 3 bd: 8 · In service since 2000 · For families
Triangle Terrace Apartments555 S Shaffer St, Orange 9286675 low-income homes · Studio: 19 · 1 bd: 56 · In service since 2017 · For older adults, families
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 Orange or Orange County. The ones below are statewide in California: they work in Orange 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 Orange 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 Orange 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 Orange?
The typical home value in Orange is $945,800, 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 Orange?
Typical rent in Orange is $2,327 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 Orange?
Orange 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 Orange?
The typical homeowner in Orange pays $6,215 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 Orange?
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.
