Coto de Caza, CA population, income and ZIP codes

Coto de Caza CDP is a mid-size town in California, with 15,363 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #400 of 1,618 ranked by population — larger than 75% of them. The median age here is 45.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Coto de Caza CDP earn a median of $232,470 a year, 196% above the national figure of $78,538 and 155% above the $91,111 median for the 1,050 California cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 3.7% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Coto de Caza CDP is valued at $1,419,400, 367.8% above the national figure and 141% above the $589,600 peer median, while median gross rent runs $3,501 a month, 149% above the national figure, or roughly $42,012 across a full year. A household on the local median income would put about 18.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.1×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 90.4% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.1× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.