92840 — Orange County, California Market Snapshot
Housing market data for zip code 92840 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$1,000,000
Days to Sell
26
Homes Sold
54
Inventory
31
Sale-to-List
102.7%
New Listings
67
Price/SqFt
$663
Pending Sales
58
Conforming Loan Available
The median home in 92840 at $1,000,000 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
Homes in 92840 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 92840 are selling 2.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 92840 at $1,000,000 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 92840 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 92840
To purchase the median home at $1,000,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,812.
Monthly Payment
$7,812
Income Required
$334,786
Principal & Interest
$6,162/mo
Down Payment (5%)
$50,000
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 92840.
Estimated Monthly Payment
$6,339
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