San Juan Capistrano in short: The typical home is worth about $1,337,000 as of August 2026, up 3.9% in a year, against about $1,179,000 across Orange County. About 107 homes are for sale. Homes that sell go under contract in about 26 days. Typical rent is about $4,250 a month. First-time buyers can combine county and state down payment programs.
San Juan Capistrano is one of the oldest towns in California, built around Mission San Juan Capistrano, founded in 1776, and the Los Rios Historic District, often called the oldest residential neighborhood in the state. It keeps a small-town, equestrian character in South Orange County.
Housing ranges from historic homes and condos near downtown to single-family tracts and larger equestrian properties with room for horses. Values sit above the county's typical figure, with horse properties and view homes at the top.
The downtown train station has Metrolink and Amtrak service, and Interstate 5 and Ortega Highway meet in town, which makes it a practical base for commuting north or south.
San Juan Capistrano housing market, August 2026
Home values in San Juan Capistrano are up 3.9% from a year ago and up 12.1% over three years. Homes that sell are going under contract in about 26 days. About 23.5% 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 3.8% 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 San Juan Capistrano home costs to own
20% down
$8,808/month
- Down payment$267,417
- Principal and interest$7,081
- Property tax$1,226
- Insurance$501
Income to qualify: about $377,000 a year
10% down
$10,244/month
- Down payment$133,709
- Principal and interest$7,966
- Property tax$1,226
- Insurance$501
- Mortgage insurance$552
Income to qualify: about $439,000 a year
Estimates on the typical home value of $1,337,000 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 San Juan Capistrano
- Los Rios Historic DistrictHistoric homes along one of California's oldest residential streets, next to the train depot.
- DowntownCondos, townhomes and older homes near the Mission and Camino Capistrano.
- Equestrian areasLarger lots near the city's riding trails and equestrian center.
Schools
Capistrano Unified School District serves San Juan Capistrano. Always confirm the assigned school for a specific address with the district.
Getting around
Interstate 5 and Ortega Highway meet in town, and the downtown station has Metrolink and Amtrak service.
Down payment help for San Juan Capistrano 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.
San Juan Capistrano ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92675 | $1,609,000 | $735 | 72 | 57 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
San Juan Capistrano real estate questions
How much does a home cost in San Juan Capistrano?
As of August 2026, the typical home value in San Juan Capistrano is about $1,337,000, up 3.9% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $1,760,000. 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 San Juan Capistrano?
At the typical value of $1,337,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $10,244. Lenders would usually look for household income around $439,029. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for San Juan Capistrano buyers?
Yes. Countywide, first-time buyers in San Juan Capistrano 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.
Can I keep horses in San Juan Capistrano?
In some neighborhoods, yes. San Juan Capistrano has zoning areas that allow horses and a network of riding trails. Whether a specific property allows horses depends on its zoning and lot, so I confirm it with the city before you make an offer.
Official resources
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