92225 — Imperial County, California Market Snapshot
Housing market data for zip code 92225 in Imperial County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$222,000
Days to Sell
94
Homes Sold
31
Inventory
47
Sale-to-List
94.7%
New Listings
31
Price/SqFt
$162
Pending Sales
32
Conforming Loan Available
Most homebuyers in 92225 can comfortably use conventional financing. The median home price of $222,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 94 days on average, 92225 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 92225 sells for 5.3% below asking price (94.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92225 can comfortably use conventional financing. The median home price of $222,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 92225 are set at the county level.
2026 Loan Limits — Imperial County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 92225
To purchase the median home at $222,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,851.
Monthly Payment
$1,851
Income Required
$79,324
Principal & Interest
$1,368/mo
Down Payment (5%)
$11,100
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 92225.
Estimated Monthly Payment
$1,524
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