City · 78,981 residents · Orange County, California
Tustin, California
In Tustin, a typical home is worth $950,400 and typical rent is $2,449 a month. Compared with all of Orange County, the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $820,168 to $1,145,586.
Typical rent
$3,229a month
▲ 1.3% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,756 to $3,229.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Tustin 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 Tustin ($950,400).
2
49% of households in Tustin own their home, against 56% in Orange County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Tustin
What homes there are in Tustin, 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
Tustin
Orange County
California
United States
Kind of home: Tustin and its comparisons
Measure
Tustin
Orange County
California
United States
Detached house
34%
49%
57%
61%
Attached house
16%
13%
7%
6%
Building of 2 to 4
11%
9%
8%
8%
Apartments (5 or more)
36%
26%
24%
19%
Mobile home
3%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Many people here live in apartments: 4 in 10 homes; in Orange County, 3.
Year built
Before 19601960–19791980–19992000–20092010 or later
Tustin
Orange County
California
United States
Year built: Tustin and its comparisons
Measure
Tustin
Orange County
California
United States
Before 1960
6%
17%
27%
26%
1960–1979
41%
40%
29%
24%
1980–1999
32%
26%
25%
25%
2000–2009
9%
8%
11%
14%
2010 or later
12%
9%
8%
11%
Here half of the homes date from 1983 or later; in Orange County, from 1977 or later.
In Tustin, 20% of homes have 1 bedroom or none (studios); 47% 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
Unreliable estimate
Under $100K3%
$100K–$200K1%
$200K–$300KUnreliable
$300K–$500K9%
$500K–$750K15%
$750K–$1M26%
$1M or more45%
Value of owner-occupied homes: Tustin and its comparisons
Measure
Tustin
Under $100K
3%
$100K–$200K
1%
$200K–$300K
Unreliable estimate
$300K–$500K
9%
$500K–$750K
15%
$750K–$1M
26%
$1M or more
45%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9993%
$1,000–$1,499Unreliable
$1,500–$1,99913%
$2,000–$2,49932%
$2,500–$2,99923%
$3,000 or more24%
Monthly rent with utilities: Tustin and its comparisons
Measure
Tustin
Under $500
Unreliable estimate
$500–$999
3%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
13%
$2,000–$2,499
32%
$2,500–$2,999
23%
$3,000 or more
24%
With a mortgage
$3,319 a month
Orange County: $3,385 a month
Without a mortgage
$988 a month
Orange County: $902 a month
Owners with a mortgage
66%
Orange County: 67%
In Tustin, 66% of owners have a mortgage; their typical cost is $3,319 a month, about the same as in Orange County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Tustin+47%
Orange County+42%
California+46%
United States+53%
Typical rent
Tustin+32%
Orange County+31%
California+36%
United States+33%
Typical household income
Tustin+33%
Orange County+29%
California+32%
United States+29%
Change since 2015–2019: Tustin and its comparisons
Measure
Tustin
Orange County
California
United States
Typical home value
+47%
+42%
+46%
+53%
Typical rent
+32%
+31%
+36%
+33%
Typical household income
+33%
+29%
+32%
+29%
Since 2015–2019, homes in Tustin gained value faster than in Orange County: 47% against 42%.
Much as in Orange County, the typical rent in Tustin rose 32% since 2015–2019.
While home values in Tustin changed +47% and rent +32%, the typical household income rose 33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Tustin and its comparisons
Measure
Tustin
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
11.5%
8.9%
8.2%
3.4%
People per household
2.84
2.87
2.84
2.53
Drive alone
67%
68%
66%
69%
Carpool
10%
9%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
19%
19%
17%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 11.5% of households in Tustin live, more than in Orange County (8.9%).
Much as in Orange County, a household in Tustin has 2.84 people on average.
To get to work, 67% of workers in Tustin drive alone; in Orange County, 68%.
Do the math
What would you pay each month for a home in Tustin?
A typical home costs more than the typical income allows
We start with a typical home in Tustin, worth $950,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 84% of the typical household income in Tustin, which is $112,503 a year. For that payment to be 28% of income, a household would need to earn about $336,568 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 Tustin. 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 $33,264 (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
$7,853
at 7.18% · 30 years
Loan amount
$933,186
Total interest
$1,342,636
Paid off in
November 2056
Includes $16,050 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,625 a month
Tight
$2,625 to $3,375 a month
Hard
more than $3,375 a month
Your payment · 84%
Compared with the typical household income in Tustin ($112,503 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,322
Property tax
$562
Home insurance
$396
FHA mortgage insurance (MIP)
$573
You need at least $33,264 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 $7,853; principal and interest $6,322.
The city and its county
Tustin and Orange County
Tustin 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).
Tustin
Map of Orange County, California, with Tustin marked. Around it, the neighboring counties.
Tustin
Orange County
Other cities with a page
Tustin's own numbers
Typical home value
$950,400
Typical monthly rent
$2,449
Typical yearly household income
$112,503
Households that own their home
49%
Effective property tax rate
0.71%
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 Tustin is worth $950,400: about the same as the county and 29% above California. With the typical household income in Tustin ($112,503 a year), a typical home costs 8.4 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.
Tustin8.4 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
Tustin 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
Tustin$950,400
Orange$962,600
California$734,700
United States$332,700
Typical monthly rent
Tustin$2,449
Orange$2,434
California$2,036
United States$1,413
Typical yearly household income
Tustin$112,503
Orange$116,289
California$99,122
United States$80,734
See the full table
Tustin next to Orange County and California
Measure
Tustin
Orange County
California
U.S.
Typical home value
$950,400
$962,600
$734,700
$332,700
Typical monthly rent
$2,449
$2,434
$2,036
$1,413
Typical yearly household income
$112,503 ▼3% below the county
$116,289
$99,122
$80,734
Households that own their home
49% ▼8 points below the county
56%
56%
65%
Typical yearly property tax
$6,725 ▲6% above the county
$6,330
$5,124
$3,119
Effective property tax rate
0.71% ▲0.05 points above the county
0.66%
0.7%
0.94%
Renters with high rent for their income
62% ▲5 points above 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 Tustin
For a typical $950,400 home in Tustin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tustin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,853a month
Least cash to close
Down payment
$33,264
Cash to close
$61,776
Rate
7.18%
Mortgage insurance
FHA MIP · $573
Conventional, 5% down$7,526a month
Down payment
$47,520
Cash to close
$76,032
Rate
7.18%
Mortgage insurance
PMI · $451
Conventional, 20% down, no PMI$6,109a month
Down payment
$190,080
Cash to close
$218,592
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,988a month
Down payment
$142,560
Cash to close
$171,072
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Tustin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$7,853
$33,264
$933,186
7.18%
FHA MIP · $573
$61,776
580
Conventional, 5% down
$7,526
$47,520
$902,880
7.18%
PMI · $451
$76,032
620*
Conventional, 20% down, no PMI
$6,109
$190,080
$760,320
7.18%
None
$218,592
620*
ITIN, 15% down (example)
$6,988
$142,560
$807,840
8.18%
None
$171,072
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 Tustin is $2,449 a month: about the same as the county. In Tustin, 62% 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 Tustin
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tustin has 2 ZIP codes with their own.
For 2 bedrooms it runs from $3,000 in 92780 to $3,570 in 92782.
1 of the 2 is above the fair market rent for Orange County ($3,057).
Fair market rent by ZIP code and size in Tustin, fiscal year 2027.
92780
$2,530
$2,560
$3,000
$4,080
$4,870
92782
$3,010
$3,050
$3,570
$4,850
$5,800
ZIP code2 bd3 bd
92780 $3,000$4,080
92782 $3,570$4,850
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tustin 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 Tustin or Orange County. The ones below are statewide in California: they work in Tustin 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 Tustin 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 Tustin 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 Tustin?
The typical home value in Tustin is $950,400, 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 Tustin?
Typical rent in Tustin is $2,449 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 Tustin?
Tustin 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 Tustin?
The typical homeowner in Tustin pays $6,725 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Orange County, the rate is 0.66%.
Where can I find free help to buy or rent in Tustin?
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.
