92397 — Los Angeles County, California Market Snapshot
Housing market data for zip code 92397 in Los Angeles County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$436,250
Days to Sell
73
Homes Sold
14
Inventory
64
Sale-to-List
100.1%
New Listings
51
Price/SqFt
$258
Pending Sales
22
Conforming Loan Available
Most homebuyers in 92397 can comfortably use conventional financing. The median home price of $436,250 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 73 days on average, 92397 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
Homes are selling very close to asking price in 92397 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92397 can comfortably use conventional financing. The median home price of $436,250 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 92397 are set at the county level.
2026 Loan Limits — Los Angeles 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 92397
To purchase the median home at $436,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,492.
Monthly Payment
$3,492
Income Required
$149,675
Principal & Interest
$2,688/mo
Down Payment (5%)
$21,813
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 92397.
Estimated Monthly Payment
$2,850
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 92397. Tell us what you're looking for.