92887 — Orange County, California Market Snapshot
Housing market data for zip code 92887 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$1,425,000
Days to Sell
41
Homes Sold
43
Inventory
30
Sale-to-List
100.8%
New Listings
50
Price/SqFt
$642
Pending Sales
49
Jumbo Loan Likely Needed
The median home in 92887 at $1,425,000 exceeds the 2026 conforming loan limit of $1,249,125 by $175,875. 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
92887's market is balanced with homes taking an average of 41 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 92887 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92887 at $1,425,000 exceeds the 2026 conforming loan limit of $1,249,125 by $175,875. 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 92887 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 92887
To purchase the median home at $1,425,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,068.
Monthly Payment
$11,068
Income Required
$474,339
Principal & Interest
$8,780/mo
Down Payment (5%)
$71,250
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 92887.
Estimated Monthly Payment
$8,969
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