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Costa Mesa, CA

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US location · verified

Neighborhood intelligence

Your Costa Mesa relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Costa Mesa.

Median rent

$2,446/mo

ACS 2024 5-year

Median household income

$111,505

ACS 2024 5-year

Median home value

$1,115,100

ACS 2024 5-year

Safety score

44/100

FBI CDE

Weather

82°F (H 90° / L 74°)

Open-Meteo

Buying in Costa Mesa? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

44/100

FBI CDE

Worth extra due diligence — 70% above average FBI data, 2024

Average

Noise Level

38 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 82°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 56 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Costa Mesa CA

Costa Mesa posts 44/100 on safety against $2,446/month typical rent. Here is what the numbers actually mean.

Costa Mesa has about 110,330 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Costa Mesa CA Safe?

Costa Mesa CA scores 44/100 on safety (well below average). Crime is about 70% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 170 (100 = avg); violent crime index 193; property crime index 147. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Costa Mesa CA

School quality varies by neighborhood in Costa Mesa. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Costa Mesa CA

Typical rent in Costa Mesa is about $2,446/month (expensive). At $2,446/month for a typical unit, you need about $88,056+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $1,115,100.

Median household income is $111,505, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($111,505) clears the $88,056 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Costa Mesa CA

Average temperature is about 82°F (highs near 90°F, lows near 74°F).

Midafternoon outdoor time is limited most of summer without shade and water. Plan on summer electric bills around $200–$300/month for a typical apartment if you run AC hard. If you visit, go in July or August. That is the real test.

Who Should Move to Costa Mesa CA?

Who tends to thrive in Costa Mesa: (1) Dual-income households (at $2,446/month, the rent math works much better with two salaries) (2) Tech and finance workers (the job market is real and local pay near $111,505 helps carry housing costs) (3) Households earning $88,056+ who can clear the 3× rent rule at $2,446/month (4) Movers with a locked job offer in Costa Mesa who already priced rent and commute

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 44/100) (2) Single earners under $70k (the rent-to-income ratio is tight at $2,446/month) (3) Anyone stretching past 40% of take-home on housing at $2,446/month

Income sniff test: clear about $88,056 household income for $2,446/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Costa Mesa is a mixed picture. Safety is average and rent at $2,446/month is on the high side. It works for the right household but is not an obvious choice.

Next steps

Tools for your move

Quotes and listings for Costa Mesa when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Costa Mesa.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$7,479

Mortgage + tax + insurance + HOA

Annual property tax

$16,169

Annual est. $5,580

Est. monthly utilities

$1,748

Climate-adjusted electric, gas & water

Median home price

$1,115,100

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$1.0M
2022
$1.0M
2023
$1.1M
2024
$1.1M
2025
$1.1M
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$5,033/mo vs buying
$2,446ACS 2024 5-year
Rent
$7,479
Buy

Mortgage

$5,639

Property tax

$1,347

Insurance

$398

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$14,797/yr

2024

1.37%

$15,241/yr

2025

1.41%

$15,698/yr

2026

1.45%

$16,169/yr

Buying in Costa Mesa? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$4,779/yr

elevated exposure
Wind hazard index56 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 82°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $4,779.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Costa Mesa to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo