92630 — Orange County, California Market Snapshot
Housing market data for zip code 92630 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
180 sales in 2026 (year to date)
Median Sale Price
$1,277,000
Days to Sell
33
Homes Sold
180
Inventory
160
Sale-to-List
99.7%
New Listings
260
Price/SqFt
$635
Pending Sales
210
Jumbo Loan Likely Needed
The median home in 92630 at $1,277,000 exceeds the 2026 conforming loan limit of $1,249,125 by $27,875. 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
92630's market is balanced with homes taking an average of 33 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 92630 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92630 at $1,277,000 exceeds the 2026 conforming loan limit of $1,249,125 by $27,875. 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 92630 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 92630
To purchase the median home at $1,277,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,934.
Monthly Payment
$9,934
Income Required
$425,742
Principal & Interest
$7,868/mo
Down Payment (5%)
$63,850
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 92630.
Estimated Monthly Payment
$8,053
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