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Costa Mesa city, CA

ZIP 92626 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92626

Median Home Value
$1,037,700
Median Rent
$2,425
Affordability Snapshot
$286,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,666/mo PITI).

25%
Rent-to-Income Ratio

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

8.8x
Home Price-to-Income Ratio

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

35.7 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 92626 in Costa Mesa city, CA, a household would need roughly $286,000 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 $6,666. That is about 143% above the local median household income ($117,627), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
42.0%-36% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
28.6%-42% vs US avg
x
Mortgage-Free
25.3%-34% vs US avg
x
$1,037,700
Home Value
$2,425
Rent
1972
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached44.5%
  • 1-unit attached5.9%
  • 2-9 units20.1%
  • 10+ units29.0%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,037,700
Median rent$2,425
Owner-occupied42.0%
Vacant5.6%
Price-to-income8.8x
Est. income to buy$286,000