The typical owner-occupied home in Trabuco Canyon is worth about $1,303,700, 77% above the California median of $734,700 and 3.9 times the national median of $332,700. Owners pay a median $4,984 a year in property taxes, about 0.38% of their home's value, lower than the California rate of 0.70%. The median household earns $229,239 a year, so the median home costs 5.7 times the median income (7.4 times for California). 93% of occupied homes here are lived in by their owners, and 86% of those owners still have a mortgage.
Trabuco Canyon at a glance
| Trabuco Canyon | California | U.S. | |
|---|---|---|---|
| Median home value | $1,303,700 | $734,700 | $332,700 |
| Median property tax paid per year | $4,984 | $5,124 | $3,119 |
| Property tax as a share of value | 0.38% | 0.70% | 0.94% |
| Median household income | $229,239 | $99,122 | $80,734 |
| Homes lived in by their owners | 93% | 56% | 65% |
| Owner homes with a mortgage | 86% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,380 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 18.6% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1979 | 1976 | 1980 |
| Vacant homes | 0.0% | 7.5% | 10.1% |
| Population | 1,326 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Trabuco Canyon
At this week's average 30-year rate of 7.11%, buying the median Trabuco Canyon home of $1,303,700 with 20% down costs about $7,972 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $10,354, 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 $341,662 for the 20%-down payment. That payment is 42% of the median Trabuco Canyon household income of $229,239; at that income and 20% down, the 28% guideline points to a home of about $875,000.
| Down payment | $260,740 |
|---|---|
| Loan amount | $1,042,960 |
| Principal and interest | $7,016 |
| Property taxes (0.38% a year) | $413 |
| Homeowners insurance (our estimate, 0.5% a year) | $543 |
| PMI | $0 |
| Total per month | $7,972 |
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| Down payment | $45,630 |
|---|---|
| Loan amount | $1,280,087 |
| Principal and interest | $8,611 |
| Property taxes (0.38% a year) | $413 |
| Homeowners insurance (our estimate, 0.5% a year) | $543 |
| FHA mortgage insurance | $786 |
| Total per month | $10,354 |
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Questions about home buying in Trabuco Canyon
What is the median home value in Trabuco Canyon?
About $1,303,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Trabuco Canyon?
Homeowners pay a median $4,984 a year, which is about 0.38% 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 Trabuco Canyon?
For the median home with 20% down at 7.11%, the payment is about $7,972 a month. Keeping that under 28% of gross income takes about $341,662 a year.
More about Trabuco Canyon
- Mortgage Refinance in Trabuco Canyon
- Debt Relief in Trabuco Canyon
- Home Equity Loans in Trabuco Canyon
- 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