Santa Ana in short: The typical home is worth about $868,000 as of August 2026, up 3.3% in a year, against about $1,179,000 across Orange County. About 294 homes are for sale. Homes that sell go under contract in about 21 days. Typical rent is about $2,810 a month. First-time buyers can use the Santa Ana My First Home Program along with county and state down payment programs.
Santa Ana is the county seat of Orange County and one of its largest cities, with a downtown known for its arts district, historic buildings and dining, plus the Bowers Museum and the Santa Ana Zoo. The South Coast Metro area on its southern edge adds offices and condos near South Coast Plaza.
Home values in Santa Ana are among the most attainable in Central Orange County. The city has historic neighborhoods such as Floral Park, French Park and Washington Square with early 20th century homes, alongside mid-century tracts and condos. That mix makes it a strong search area for first-time buyers.
Santa Ana also has its own My First Home Program, a city-funded deferred loan for buyers purchasing inside city limits. It is closed to new applications right now, so I watch for the next opening and pair buyers with county and state programs in the meantime.
Santa Ana housing market, August 2026
Home values in Santa Ana are up 3.3% from a year ago and up 12.0% over three years. Homes that sell are going under contract in about 21 days. About 22.4% of listings have had a price cut, which tells you how much room there is to negotiate. For comparison, the typical home value across Orange County is $1,179,000. At the typical rent and value, the gross rental yield is about 3.9% a year before expenses.
Sources: Zillow Research (home value and rent indexes, inventory, days to pending, price cuts) and Realtor.com Research, data through August 2026. These are market-wide figures, not an appraisal of any one home. See the Orange County market report for the county trend.
What a typical Santa Ana home costs to own
20% down
$5,718/month
- Down payment$173,600
- Principal and interest$4,597
- Property tax$796
- Insurance$326
Income to qualify: about $245,000 a year
10% down
$6,650/month
- Down payment$86,800
- Principal and interest$5,171
- Property tax$796
- Insurance$326
- Mortgage insurance$358
Income to qualify: about $285,000 a year
Estimates on the typical home value of $868,000 at the 6.95% 30-year fixed average (2026-09-17), with property tax at 1.1% and insurance at 0.45% of value a year, and income at 28% of gross for housing. HOA dues and Mello-Roos are extra where they apply. Not a loan quote. Down payment programs below can cover part of the down payment. See 20 years of mortgage rates.
Neighborhoods in Santa Ana
- Floral ParkSpanish revival, Tudor and ranch homes on tree-lined streets north of downtown.
- French ParkVictorian and Craftsman homes close to downtown.
- Washington SquareA historic neighborhood of early 20th century homes.
- Downtown Santa AnaCondos and lofts near the arts district and the courthouse.
- South Coast MetroCondos and townhomes near South Coast Plaza and the 405.
Schools
Santa Ana Unified School District serves most of the city, with some neighborhoods in Tustin Unified and Garden Grove Unified. Always confirm the assigned school for a specific address with the district.
Getting around
Interstate 5, the 55 and the 22 run through or beside the city, and the Santa Ana Regional Transportation Center has Metrolink and Amtrak service.
Down payment help for Santa Ana buyers
Santa Ana My First Home Program Closed now
City of Santa Ana
A 0% interest deferred loan of up to $120,000 for a home inside Santa Ana city limits, funded by the city's Inclusionary Housing Fund, with the buyer contributing 3% of their own funds. Applications are currently closed and reopen first come, first served.
Orange County Mortgage Assistance Program (MAP) Open
OC Housing and Community Development
A deferred second loan at 3% simple interest of up to $120,000 for low-income and $80,000 for moderate-income first-time buyers. The price must be at or below 85% of the county median sales price.
Orange County Mortgage Credit Certificate (MCC) Open
County of Orange, administered by National Homebuyers Fund
A federal income tax credit on part of the mortgage interest you pay, every year for the life of the loan. Income up to 115% of area median income, and it stacks with MAP and other programs.
CalHFA MyHome Assistance Program Open
California Housing Finance Agency
A deferred junior loan of up to 3% of the price toward the down payment or closing costs, paired with a CalHFA first mortgage. No monthly payment until you sell, refinance or pay off the loan.
See every program you may qualify for
Program terms from the official program pages, last checked September 2026. Income and price limits apply and funds can close without notice, so confirm current terms before you rely on them.
Santa Ana ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92701 | $774,000 | $496 | 45 | 72 |
| 92703 | $812,000 | $550 | 27 | 65 |
| 92704 | $845,000 | $634 | 59 | 50 |
| 92706 | $1,099,000 | $650 | 15 | 57 |
| 92707 | $725,000 | $611 | 30 | 25 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Santa Ana real estate questions
How much does a home cost in Santa Ana?
As of August 2026, the typical home value in Santa Ana is about $868,000, up 3.3% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $808,000. Condos and townhomes usually sit below the typical value and larger detached homes above it.
What is the monthly payment on a typical home in Santa Ana?
At the typical value of $868,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $6,650. Lenders would usually look for household income around $285,000. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for Santa Ana buyers?
Yes. Santa Ana has its own program: Santa Ana My First Home Program. Countywide, first-time buyers in Santa Ana can look at the Orange County Mortgage Assistance Program and the Orange County Mortgage Credit Certificate, and statewide at CalHFA's MyHome Assistance Program. Income and price limits apply, and the right combination depends on your situation. The finder on this site lists more than 40 programs across Southern California.
Official resources
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