92657 — Orange County, California Market Snapshot
Housing market data for zip code 92657 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$5,876,500
Days to Sell
83
Homes Sold
32
Inventory
48
Sale-to-List
93.6%
New Listings
43
Price/SqFt
$1,532
Pending Sales
37
Jumbo Loan Likely Needed
The median home in 92657 at $5,876,500 exceeds the 2026 conforming loan limit of $1,249,125 by $4,627,375. 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
With homes sitting for 83 days on average, 92657 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 92657 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 92657 at $5,876,500 exceeds the 2026 conforming loan limit of $1,249,125 by $4,627,375. 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 92657 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 92657
To purchase the median home at $5,876,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $45,174.
Monthly Payment
$45,174
Income Required
$1,936,023
Principal & Interest
$36,209/mo
Down Payment (5%)
$293,825
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 92657.
Estimated Monthly Payment
$36,518
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 92657.
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