92602 — Orange County, California Market Snapshot
Housing market data for zip code 92602 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$2,144,000
Days to Sell
50
Homes Sold
52
Inventory
93
Sale-to-List
97.9%
New Listings
109
Price/SqFt
$853
Pending Sales
69
Jumbo Loan Likely Needed
The median home in 92602 at $2,144,000 exceeds the 2026 conforming loan limit of $1,249,125 by $894,875. 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
92602's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 92602 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 92602 at $2,144,000 exceeds the 2026 conforming loan limit of $1,249,125 by $894,875. 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 92602 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 92602
To purchase the median home at $2,144,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $16,577.
Monthly Payment
$16,577
Income Required
$710,428
Principal & Interest
$13,211/mo
Down Payment (5%)
$107,200
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 92602.
Estimated Monthly Payment
$13,419
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 92602.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 92602. Tell us what you're looking for.