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Irvine city, CA

ZIP 92620 — 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 92620

Median Home Value
$1,204,100
Median Rent
$2,916
Affordability Snapshot
$331,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,735/mo PITI).

24%
Rent-to-Income Ratio

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

8.3x
Home Price-to-Income Ratio

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

34.4 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 92620 in Irvine city, CA, a household would need roughly $331,000 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 $7,735. That is about 129% above the local median household income ($144,572), 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
56.4%-14% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
7.9%-47% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
30.8%-19% vs US avg
x
$1,204,100
Home Value
$2,916
Rent
2004
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 detached55.0%
  • 1-unit attached17.2%
  • 2-9 units9.6%
  • 10+ units15.9%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,204,100
Median rent$2,916
Owner-occupied56.4%
Vacant5.4%
Price-to-income8.3x
Est. income to buy$331,000