92603 — Orange County, California Market Snapshot
Housing market data for zip code 92603 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$2,978,000
Days to Sell
29
Homes Sold
19
Inventory
28
Sale-to-List
97.9%
New Listings
30
Price/SqFt
$1,126
Pending Sales
20
Jumbo Loan Likely Needed
The median home in 92603 at $2,978,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,728,875. 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
Homes in 92603 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 92603 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 92603 at $2,978,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,728,875. 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 92603 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 92603
To purchase the median home at $2,978,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $22,966.
Monthly Payment
$22,966
Income Required
$984,278
Principal & Interest
$18,349/mo
Down Payment (5%)
$148,900
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 92603.
Estimated Monthly Payment
$18,580
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 92603.
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