92604 — Orange County, California Market Snapshot
Housing market data for zip code 92604 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$1,230,000
Days to Sell
33
Homes Sold
45
Inventory
39
Sale-to-List
100.8%
New Listings
62
Price/SqFt
$831
Pending Sales
41
Conforming Loan Available
The median home in 92604 at $1,230,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
92604's market is balanced with homes taking an average of 33 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 92604 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92604 at $1,230,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 92604 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 92604
To purchase the median home at $1,230,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,574.
Monthly Payment
$9,574
Income Required
$410,309
Principal & Interest
$7,579/mo
Down Payment (5%)
$61,500
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 92604.
Estimated Monthly Payment
$7,762
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