92703 — Orange County, California Market Snapshot
Housing market data for zip code 92703 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$868,500
Days to Sell
34
Homes Sold
24
Inventory
15
Sale-to-List
101.6%
New Listings
24
Price/SqFt
$701
Pending Sales
21
Conforming Loan Available
Most homebuyers in 92703 can comfortably use conventional financing. The median home price of $868,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
92703's market is balanced with homes taking an average of 34 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 92703 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92703 can comfortably use conventional financing. The median home price of $868,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 92703 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 92703
To purchase the median home at $868,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,804.
Monthly Payment
$6,804
Income Required
$291,607
Principal & Interest
$5,351/mo
Down Payment (5%)
$43,425
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 92703.
Estimated Monthly Payment
$5,525
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