Garden Grove in short: The typical home is worth about $1,007,000 as of August 2026, up 4.4% in a year, against about $1,179,000 across Orange County. About 151 homes are for sale. Homes that sell go under contract in about 14 days. Typical rent is about $2,770 a month. First-time buyers can combine county and state down payment programs.
Garden Grove is a large Central County city between Anaheim, Santa Ana and Westminster, with a historic Main Street, the Christ Cathedral campus and the Garden Grove Strawberry Festival each spring.
Home values sit below the county's typical figure, and the city offers a wide mix: 1950s and 1960s single-family tracts, condos and townhomes, and newer developments near the Grove District along Harbor Boulevard. That range makes Garden Grove one of the more practical searches for first-time buyers in Central Orange County.
Many homes here are original or lightly updated, so I factor repairs and upgrades into the offer. A home that needs a new kitchen can still be the better buy if the price reflects it.
Garden Grove housing market, August 2026
Home values in Garden Grove are up 4.4% from a year ago and up 15.1% over three years. Homes that sell are going under contract in about 14 days. About 17.6% 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 3.3% 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 Garden Grove home costs to own
20% down
$6,636/month
- Down payment$201,480
- Principal and interest$5,335
- Property tax$923
- Insurance$378
Income to qualify: about $284,000 a year
10% down
$7,718/month
- Down payment$100,740
- Principal and interest$6,002
- Property tax$923
- Insurance$378
- Mortgage insurance$416
Income to qualify: about $331,000 a year
Estimates on the typical home value of $1,007,000 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 Garden Grove
- Historic Main Street areaOlder homes near the downtown Village Green and Main Street shops.
- West Garden GroveSingle-family tracts in the western half of the city.
- Harbor Boulevard corridorCondos and newer homes near the Grove District.
Schools
Garden Grove Unified School District serves most of the city. Always confirm the assigned school for a specific address with the district.
Getting around
The 22 runs through the city, and Interstate 5 and the 405 are close.
Down payment help for Garden Grove 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.
Garden Grove ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92840 | $975,000 | $623 | 40 | 47 |
| 92841 | $1,111,000 | $676 | 21 | 52 |
| 92843 | $825,000 | $585 | 18 | 39 |
| 92844 | $729,000 | $555 | 11 | 40 |
| 92845 | $1,180,000 | $698 | 21 | 34 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Garden Grove real estate questions
How much does a home cost in Garden Grove?
As of August 2026, the typical home value in Garden Grove is about $1,007,000, up 4.4% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $1,013,000. 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 Garden Grove?
At the typical value of $1,007,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $7,718. Lenders would usually look for household income around $330,771. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for Garden Grove buyers?
Yes. Countywide, first-time buyers in Garden Grove 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 Garden Grove good for first-time buyers?
Garden Grove is one of the more attainable Central Orange County cities, with both single-family homes and condos below the county's typical value. County programs such as the Orange County Mortgage Assistance Program and the Mortgage Credit Certificate can apply here. We can check which ones fit your income and price range.
Official resources
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