92692 — Orange County, California Market Snapshot
Housing market data for zip code 92692 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
153 sales in 2026 (year to date)
Median Sale Price
$1,131,000
Days to Sell
35
Homes Sold
153
Inventory
123
Sale-to-List
99.8%
New Listings
209
Price/SqFt
$643
Pending Sales
179
Conforming Loan Available
The median home in 92692 at $1,131,000 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
92692's market is balanced with homes taking an average of 35 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 92692 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 92692 at $1,131,000 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 92692 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 92692
To purchase the median home at $1,131,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,815.
Monthly Payment
$8,815
Income Required
$377,801
Principal & Interest
$6,969/mo
Down Payment (5%)
$56,550
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 92692.
Estimated Monthly Payment
$7,150
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