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Lake Forest city, CA

ZIP 92610 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92610

Median Home Value
$939,000
Median Rent
$2,875
Affordability Snapshot
$259,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,032/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 92610 in Lake Forest city, CA, a household would need roughly $259,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,032. That is about 43% above the local median household income ($181,188), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.4%+24% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
99.0%+14% vs US avg
x
4+ Bedrooms
12.2%-18% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
8.9%-82% vs US avg
x
Mortgage-Free
13.6%-64% vs US avg
x
$939,000
Home Value
$2,875
Rent
1995
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached66.1%
  • 1-unit attached13.8%
  • 2-9 units6.0%
  • 10+ units12.7%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$939,000
Median rent$2,875
Owner-occupied81.4%
Vacant4.2%
Price-to-income5.2x
Est. income to buy$259,000