92618 — Orange County, California Market Snapshot
Housing market data for zip code 92618 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$2,609,000
Days to Sell
71
Homes Sold
40
Inventory
92
Sale-to-List
96.7%
New Listings
95
Price/SqFt
$825
Pending Sales
45
Jumbo Loan Likely Needed
The median home in 92618 at $2,609,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,359,875. 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
With homes sitting for 71 days on average, 92618 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 92618 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 92618 at $2,609,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,359,875. 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 92618 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 92618
To purchase the median home at $2,609,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $20,139.
Monthly Payment
$20,139
Income Required
$863,114
Principal & Interest
$16,076/mo
Down Payment (5%)
$130,450
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 92618.
Estimated Monthly Payment
$16,297
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 92618.
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