92677 — Orange County, California Market Snapshot
Housing market data for zip code 92677 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
120 sales in 2026 (year to date)
Median Sale Price
$1,792,500
Days to Sell
32
Homes Sold
120
Inventory
109
Sale-to-List
99.1%
New Listings
158
Price/SqFt
$842
Pending Sales
136
Jumbo Loan Likely Needed
The median home in 92677 at $1,792,500 exceeds the 2026 conforming loan limit of $1,249,125 by $543,375. 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
92677's market is balanced with homes taking an average of 32 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 92677 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92677 at $1,792,500 exceeds the 2026 conforming loan limit of $1,249,125 by $543,375. 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 92677 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 92677
To purchase the median home at $1,792,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,884.
Monthly Payment
$13,884
Income Required
$595,010
Principal & Interest
$11,045/mo
Down Payment (5%)
$89,625
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 92677.
Estimated Monthly Payment
$11,243
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 92677.
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