Ladera Ranch in short: The typical home is worth about $1,366,000 as of August 2026, up 1.3% in a year, against about $1,179,000 across Orange County. About 73 homes are for sale. Typical rent is about $3,440 a month. First-time buyers can combine county and state down payment programs.
Ladera Ranch is an unincorporated master-planned community in South Orange County, developed from the late 1990s onward. It is organized into villages with their own parks, pools and schools, connected by a network of trails.
Most homes are single-family homes and townhomes built in the 2000s, in villages such as Covenant Hills, Terramor and Flintridge. Homes carry HOA dues and in most cases Mello-Roos special taxes, which are an important part of the monthly cost.
Two similar houses here can have very different monthly costs because of Mello-Roos. I pull the exact special tax and the year it ends for each home, so we compare the true cost of owning, not only the price.
Ladera Ranch housing market, August 2026
Home values in Ladera Ranch are up 1.3% from a year ago and up 11.4% over three years. About 28.1% 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 3.0% 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 Ladera Ranch home costs to own
20% down
$8,999/month
- Down payment$273,219
- Principal and interest$7,234
- Property tax$1,252
- Insurance$512
Income to qualify: about $386,000 a year
10% down
$10,467/month
- Down payment$136,609
- Principal and interest$8,139
- Property tax$1,252
- Insurance$512
- Mortgage insurance$564
Income to qualify: about $449,000 a year
Estimates on the typical home value of $1,366,000 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 Ladera Ranch
- Covenant HillsLarger homes in the southern part of the community, with a village center and parks.
- TerramorNewer village in the east of Ladera Ranch with homes and townhomes.
- FlintridgeEstablished village with single-family homes near parks and schools.
Schools
Capistrano Unified School District serves Ladera Ranch. Always confirm the assigned school for a specific address with the district.
Getting around
Crown Valley Parkway and Oso Parkway connect to the 241 toll road and Interstate 5.
Down payment help for Ladera Ranch 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.
Ladera Ranch ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92694 | $1,135,000 | $640 | 131 | 45 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Ladera Ranch real estate questions
How much does a home cost in Ladera Ranch?
As of August 2026, the typical home value in Ladera Ranch is about $1,366,000, up 1.3% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $1,346,000. 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 Ladera Ranch?
At the typical value of $1,366,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $10,467. Lenders would usually look for household income around $448,586. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for Ladera Ranch buyers?
Yes. Countywide, first-time buyers in Ladera Ranch 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.
Do homes in Ladera Ranch have Mello-Roos?
Most do. Ladera Ranch was financed partly through Mello-Roos community facilities districts, so many homes pay a special tax on top of regular property tax, along with HOA dues. The amount and the year it ends vary by home, so I pull the exact figures before you offer.
Official resources
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