92610 — Orange County, California Market Snapshot
Housing market data for zip code 92610 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$1,426,500
Days to Sell
38
Homes Sold
20
Inventory
14
Sale-to-List
101.0%
New Listings
28
Price/SqFt
$660
Pending Sales
24
Jumbo Loan Likely Needed
The median home in 92610 at $1,426,500 exceeds the 2026 conforming loan limit of $1,249,125 by $177,375. 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
92610's market is balanced with homes taking an average of 38 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 92610 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92610 at $1,426,500 exceeds the 2026 conforming loan limit of $1,249,125 by $177,375. 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 92610 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 92610
To purchase the median home at $1,426,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,079.
Monthly Payment
$11,079
Income Required
$474,831
Principal & Interest
$8,790/mo
Down Payment (5%)
$71,325
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 92610.
Estimated Monthly Payment
$8,978
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 92610. Tell us what you're looking for.