The typical owner-occupied home in Ladera Ranch is worth about $1,151,000, 57% above the California median of $734,700 and 3.5 times the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 0.87% of their home's value, higher than the California rate of 0.70%. The median household earns $184,458 a year, so the median home costs 6.2 times the median income (7.4 times for California). 74% of occupied homes here are lived in by their owners, and 88% of those owners still have a mortgage.
Ladera Ranch at a glance
| Ladera Ranch | California | U.S. | |
|---|---|---|---|
| Median home value | $1,151,000 | $734,700 | $332,700 |
| Median property tax paid per year | $10,001 | $5,124 | $3,119 |
| Property tax as a share of value | 0.87% | 0.70% | 0.94% |
| Median household income | $184,458 | $99,122 | $80,734 |
| Homes lived in by their owners | 74% | 56% | 65% |
| Owner homes with a mortgage | 88% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $4,001 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 26.9% | 24.8% | 21.0% |
| Median rent | $3,350 | $2,036 | $1,413 |
| Rent as a share of renters' income | 36.9% | 32.8% | 30.6% |
| Median year homes were built | 2005 | 1976 | 1980 |
| Vacant homes | 4.9% | 7.5% | 10.1% |
| Population | 23,793 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Ladera Ranch
At this week's average 30-year rate of 7.11%, buying the median Ladera Ranch home of $1,151,000 with 20% down costs about $7,508 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $9,611, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $321,786 for the 20%-down payment. That payment is 49% of the median Ladera Ranch household income of $184,458; at that income and 20% down, the 28% guideline points to a home of about $660,000.
The median rent here is $3,350 a month, so owning the median home costs about $4,158 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $230,200 |
|---|---|
| Loan amount | $920,800 |
| Principal and interest | $6,194 |
| Property taxes (0.87% a year) | $834 |
| Homeowners insurance (our estimate, 0.5% a year) | $480 |
| PMI | $0 |
| Total per month | $7,508 |
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| Down payment | $40,285 |
|---|---|
| Loan amount | $1,130,153 |
| Principal and interest | $7,603 |
| Property taxes (0.87% a year) | $834 |
| Homeowners insurance (our estimate, 0.5% a year) | $480 |
| FHA mortgage insurance | $694 |
| Total per month | $9,611 |
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Questions about home buying in Ladera Ranch
What is the median home value in Ladera Ranch?
About $1,151,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ladera Ranch?
Homeowners pay a median $10,001 a year, which is about 0.87% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ladera Ranch?
For the median home with 20% down at 7.11%, the payment is about $7,508 a month. Keeping that under 28% of gross income takes about $321,786 a year.
More about Ladera Ranch
- Mortgage Refinance in Ladera Ranch
- Debt Relief in Ladera Ranch
- Home Equity Loans in Ladera Ranch
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data