92274 — Imperial County, California Market Snapshot
Housing market data for zip code 92274 in Imperial County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$293,500
Days to Sell
55
Homes Sold
21
Inventory
40
Sale-to-List
97.2%
New Listings
35
Price/SqFt
$215
Pending Sales
27
Conforming Loan Available
Most homebuyers in 92274 can comfortably use conventional financing. The median home price of $293,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
92274's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 92274 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92274 can comfortably use conventional financing. The median home price of $293,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 92274 are set at the county level.
2026 Loan Limits — Imperial County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 92274
To purchase the median home at $293,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,399.
Monthly Payment
$2,399
Income Required
$102,801
Principal & Interest
$1,808/mo
Down Payment (5%)
$14,675
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 92274.
Estimated Monthly Payment
$1,966
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