92805 — Orange County, California Market Snapshot
Housing market data for zip code 92805 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
73 sales in 2026 (year to date)
Median Sale Price
$847,500
Days to Sell
35
Homes Sold
73
Inventory
76
Sale-to-List
100.6%
New Listings
102
Price/SqFt
$572
Pending Sales
79
Conforming Loan Available
Most homebuyers in 92805 can comfortably use conventional financing. The median home price of $847,500 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
92805'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 92805 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92805 can comfortably use conventional financing. The median home price of $847,500 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 92805 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 92805
To purchase the median home at $847,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,643.
Monthly Payment
$6,643
Income Required
$284,712
Principal & Interest
$5,222/mo
Down Payment (5%)
$42,375
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 92805.
Estimated Monthly Payment
$5,395
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