Coto de Caza in short: The typical home is worth about $1,979,000 as of August 2026, up 2.4% in a year, against about $1,179,000 across Orange County. About 76 homes are for sale. Typical rent is about $8,250 a month. First-time buyers can combine county and state down payment programs.
Coto de Caza is a guard-gated, unincorporated community in the foothills of South Orange County, known for large homes, equestrian facilities and the two golf courses at the Coto de Caza Golf and Racquet Club. It is governed by the County of Orange.
Homes here are mostly large single-family homes on generous lots, many with pools and room for horses, and values are among the highest in inland Orange County. Inventory is limited, and every home comes with HOA dues for the gated community.
The foothill setting means wildfire zones and insurance are part of due diligence on every home. I get insurance quotes early so the monthly cost is clear before you commit.
Coto de Caza housing market, August 2026
Home values in Coto de Caza are up 2.4% from a year ago and up 15.6% over three years. About 31.7% 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 5.0% 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 Coto de Caza home costs to own
20% down
$13,037/month
- Down payment$395,830
- Principal and interest$10,481
- Property tax$1,814
- Insurance$742
Income to qualify: about $559,000 a year
10% down
$15,164/month
- Down payment$197,915
- Principal and interest$11,791
- Property tax$1,814
- Insurance$742
- Mortgage insurance$816
Income to qualify: about $650,000 a year
Estimates on the typical home value of $1,979,000 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.
Areas of Coto de Caza
- Inside the main gatesCustom and semi-custom homes, some in smaller gated enclaves within the community.
- Equestrian areasLarger lots near the community's equestrian center and trails.
Schools
Capistrano Unified School District serves Coto de Caza. Always confirm the assigned school for a specific address with the district.
Getting around
Oso Parkway and Antonio Parkway connect to the 241 toll road and to Interstate 5.
Down payment help for Coto de Caza buyers
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.
Coto de Caza ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92679 | $1,950,000 | $643 | 115 | 59 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Coto de Caza real estate questions
How much does a home cost in Coto de Caza?
As of August 2026, the typical home value in Coto de Caza is about $1,979,000, up 2.4% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $2,303,000. 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 Coto de Caza?
At the typical value of $1,979,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $15,164. Lenders would usually look for household income around $649,886. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for Coto de Caza buyers?
Yes. Countywide, first-time buyers in Coto de Caza 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.
Is Coto de Caza a city?
No. Coto de Caza is an unincorporated community governed by the County of Orange, with a community association managing the gates, roads and common areas. Many addresses carry Trabuco Canyon or Coto de Caza in the mailing address.
Official resources
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