92806 — Orange County, California Market Snapshot
Housing market data for zip code 92806 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$985,000
Days to Sell
40
Homes Sold
23
Inventory
20
Sale-to-List
100.2%
New Listings
35
Price/SqFt
$602
Pending Sales
28
Conforming Loan Available
Most homebuyers in 92806 can comfortably use conventional financing. The median home price of $985,000 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
92806's market is balanced with homes taking an average of 40 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 92806 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92806 can comfortably use conventional financing. The median home price of $985,000 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 92806 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 92806
To purchase the median home at $985,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,697.
Monthly Payment
$7,697
Income Required
$329,861
Principal & Interest
$6,069/mo
Down Payment (5%)
$49,250
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 92806.
Estimated Monthly Payment
$6,246
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