90740 — Orange County, California Market Snapshot
Housing market data for zip code 90740 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,684,250
Days to Sell
31
Homes Sold
24
Inventory
27
Sale-to-List
99.5%
New Listings
46
Price/SqFt
$838
Pending Sales
30
Jumbo Loan Likely Needed
The median home in 90740 at $1,684,250 exceeds the 2026 conforming loan limit of $1,249,125 by $435,125. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
90740's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 90740 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 90740 at $1,684,250 exceeds the 2026 conforming loan limit of $1,249,125 by $435,125. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 90740 are set at the county level.
2026 Loan Limits — Orange County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 90740
To purchase the median home at $1,684,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,054.
Monthly Payment
$13,054
Income Required
$559,465
Principal & Interest
$10,378/mo
Down Payment (5%)
$84,213
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 90740.
Estimated Monthly Payment
$10,573
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 90740.
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