Thinking of buying a home in Orange County, California? You’re not alone. With its beautiful beaches, top-rated schools, and year-round sunshine, Orange County continues to be one of the most desirable—and competitive—real estate markets in the U.S. But before jumping in, the big question is: how much do you need to earn to buy a home in Orange County?
In this guide, we’ll break it down by city, home price, and income needed—so you know exactly what to expect in 2025.
As of early 2025, the median home price across Orange County is around $1,135,000. This number varies significantly depending on the city and neighborhood.
To afford a home at this price with a 20% down payment and a standard 30-year fixed mortgage at 6.5% interest, you’d need an annual household income of roughly $225,000 to $250,000, depending on debts and taxes.
Lenders typically follow the 28/36 debt-to-income (DTI) rule, meaning:
We’ve used this guideline below to estimate the income you’d need for different cities in Orange County.
Irvine is a master-planned city known for its top-rated schools and tech-focused job market. It’s ideal for families and professionals but comes with a high price tag.
Home to Disneyland and strong rental demand, Anaheim offers a mix of primary residences and investment opportunities.
Mission Viejo is a quiet, family-oriented suburb with lake access, parks, and quality schools.
Living near the ocean comes at a premium. Huntington Beach is ideal for buyers who want a coastal lifestyle but must be prepared for higher costs.
Santa Ana is a more affordable option in central Orange County with a vibrant cultural scene and strong community roots.
Known for its historic charm and equestrian properties, San Juan Capistrano is a peaceful alternative to coastal cities.
When planning how much you need to earn, remember to factor in:
If you’re shopping for a mortgage in Orange County, Promise Home Loans is here to help. We’re licensed in California and specialize in helping buyers compare offers from multiple lenders to find the best rate and terms for your financial situation.
✅ Access multiple lender quotes
✅ DSCR, conventional, and jumbo loans available
✅ Personalized service for California buyers
✅ Licensed in 7 states with deep knowledge of the OC market
Whether you’re buying your first home in Anaheim or upgrading to a luxury property in Irvine, Promise Home Loans can help you secure the financing you need—without the stress.
Buying a home in Orange County is a major milestone, but it’s important to understand the income and financial commitments required. With home prices ranging from $800,000 to over $1.5 million in some cities, your income needs will vary depending on where—and what—you want to buy.
👉 The key takeaway: Expect to need an annual income of $200,000 to $300,000 in most Orange County cities for a comfortable home purchase.
Photo Credit:albertc111
Need help figuring out how much home you can afford? Contact Promise Home Loans for a free consultation or pre-approval.
