92612 — Orange County, California Market Snapshot
Housing market data for zip code 92612 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$1,299,500
Days to Sell
47
Homes Sold
70
Inventory
95
Sale-to-List
97.7%
New Listings
99
Price/SqFt
$762
Pending Sales
70
Jumbo Loan Likely Needed
The median home in 92612 at $1,299,500 exceeds the 2026 conforming loan limit of $1,249,125 by $50,375. 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
92612's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 92612 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 92612 at $1,299,500 exceeds the 2026 conforming loan limit of $1,249,125 by $50,375. 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 92612 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 92612
To purchase the median home at $1,299,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,106.
Monthly Payment
$10,106
Income Required
$433,130
Principal & Interest
$8,007/mo
Down Payment (5%)
$64,975
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 92612.
Estimated Monthly Payment
$8,192
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