Costa Mesa is considered moderately expensive in 2025, with average rent for a 2-bedroom apartment at $2,850 and higher than average utility and grocery costs compared to national norms.
Housing Costs in Costa Mesa
Housing is the biggest expense for most Costa Mesa residents. In 2025, the typical rent for a 2-bedroom apartment ranges from $2,600 to $3,100 per month, depending on the neighborhood and amenities. Newer luxury complexes with pools and fitness centers tend to be on the higher end.
For those looking to purchase a home, a 3-bedroom single-family house in Costa Mesa averages around $950,000 to $1.2 million. Prices vary significantly by location, with the most affordable options found in the Westside and Mesa Verde neighborhoods. Homes in the desirable Eastside area often exceed $1.4 million.
Many Costa Mesa neighborhoods have active homeowners associations (HOAs) that charge monthly fees ranging from $200 to $500. These fees typically cover community amenities, landscaping, and exterior maintenance.
Utilities and Energy Bills
Basic utilities in Costa Mesa, including electricity, gas, water, and trash, average about $220 per month for a 2-bedroom apartment. However, cooling costs can spike during the hot summer months, pushing the total closer to $300.
Here’s a typical monthly breakdown for a 1,000 square foot residence:
- Electricity: $90
- Gas: $30
- Water/Sewer/Trash: $100
- Internet: $60
Groceries and Daily Expenses
Grocery costs in Costa Mesa are about 10% higher than the national average. A single person can expect to spend around $400 per month on groceries, while a family of four typically budgets $1,100 to $1,300.
Eating out is also relatively expensive, with a basic meal at a casual restaurant costing about $18 per person. A mid-range, three-course dinner for two averages $70 before tax and tip.
Taxes and Hidden Fees
Costa Mesa’s property tax rate is 1.1% of the assessed value, which is slightly higher than the national median. For a $1 million home, annual property taxes would be approximately $11,000.
California has a progressive income tax system with rates ranging from 1% to 13.3%. Sales tax in Costa Mesa is 7.75%, which includes state, county, and city rates.
Vehicle registration fees are another hidden cost, averaging $200 to $300 per year depending on the car’s value and age.
Monthly Budget Summary
| Household | Estimated Monthly Budget |
|---|---|
| Single Person | $4,000 – $4,500 |
| Couple | $5,500 – $6,200 |
| Family of Four | $7,500 – $8,500 |
These figures represent gross monthly income (pre-tax) needed for a comfortable lifestyle in Costa Mesa, assuming a 2-bedroom rental for the single person and couple, and a 3-bedroom rental or mortgage for the family.
Lifestyle Considerations
While Costa Mesa offers a high quality of life, it comes at a cost. Many residents trade longer commutes for more affordable housing in the city’s outskirts or neighboring towns like Santa Ana and Fountain Valley.
Newer homes and luxury apartments provide modern amenities but command top-tier rents and prices. Older properties in established neighborhoods often represent a better value but may require updates and maintenance.
Costa Mesa’s central location provides easy access to beaches, shopping, dining and entertainment. Residents enjoy over 30 parks, a vibrant arts scene, and top-rated schools. However, heavy traffic and limited public transit can be daily frustrations.
Frequently Asked Questions
Q: What salary do you need to live comfortably in Costa Mesa?
A: To live comfortably in Costa Mesa, a single person needs a gross monthly income of at least $4,000 (or $48,000 per year), while a family of four requires around $8,000 per month ($96,000 annually).
Q: Is Costa Mesa more expensive than other Orange County cities?
A: Costa Mesa’s cost of living is comparable to other central Orange County cities like Irvine and Newport Beach. It is more expensive than Santa Ana and Anaheim but more affordable than coastal communities like Laguna Beach.
Q: Are utilities expensive in Costa Mesa?
A: Utility costs in Costa Mesa are about 15% higher than the national average, largely due to above-average electricity and water rates. Cooling costs during the summer months can significantly increase energy bills.
Q: How much does it cost to buy a house in Costa Mesa?
A: In 2025, the median price for a single-family home in Costa Mesa is approximately $1.1 million. However, prices range from around $800,000 for a small starter home to over $2 million for a luxury property.
Q: What are the most affordable neighborhoods in Costa Mesa?
A: The Westside and Mesa Verde neighborhoods offer the most affordable housing options in Costa Mesa, with prices averaging 10-20% below the citywide median. The Eastside and South Coast Metro areas are among the most expensive.
Q: How much is the average rent in Costa Mesa?
A: In 2025, the average rent for a 2-bedroom apartment in Costa Mesa is $2,850 per month. Studio apartments start around $1,800, while 3-bedroom units often exceed $3,500.
Q: What are the top 3 costs that surprise newcomers to Costa Mesa?
- Housing: Many people are caught off guard by Costa Mesa’s high home prices and rents, which are significantly above national averages.
- Utilities: Newcomers are often surprised by the high cost of water and electricity, especially during the hot summer months when cooling costs soar.
- Transportation: With limited public transit options, most residents rely on cars, leading to high transportation costs including gas, maintenance, and parking.