92886 — Orange County, California Market Snapshot
Housing market data for zip code 92886 in Orange County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$704,500
Days to Sell
34
Homes Sold
18
Inventory
20
Sale-to-List
101.5%
New Listings
29
Price/SqFt
$613
Pending Sales
22
Conforming Loan Available
Most homebuyers in 92886 can comfortably use conventional financing. The median home price of $704,500 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
92886'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 92886 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92886 can comfortably use conventional financing. The median home price of $704,500 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 92886 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 92886
To purchase the median home at $704,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,548.
Monthly Payment
$5,548
Income Required
$237,756
Principal & Interest
$4,341/mo
Down Payment (5%)
$35,225
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 92886.
Estimated Monthly Payment
$4,510
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