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Lake Forest city, CA

ZIP 92630 — 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 92630

Median Home Value
$858,900
Median Rent
$2,440
Affordability Snapshot
$236,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,517/mo PITI).

24%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

29.3 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 92630 in Lake Forest city, CA, a household would need roughly $236,000 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 $5,517. That is about 97% above the local median household income ($119,984), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.1%+4% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
6.3%-58% vs US avg
x
Built Pre-1939
0.0%-100% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
30.9%-38% vs US avg
x
Mortgage-Free
28.1%-27% vs US avg
x
$858,900
Home Value
$2,440
Rent
1980
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached52.0%
  • 1-unit attached17.1%
  • 2-9 units13.6%
  • 10+ units12.6%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$858,900
Median rent$2,440
Owner-occupied68.1%
Vacant4.7%
Price-to-income7.2x
Est. income to buy$236,000