Mortgage rates and loan limits in Orange County, CA
In Orange County, a one-unit home loan up to $1,249,125 is a conforming loan in 2026; anything above that is a jumbo loan. Median home values across the county's ZIP codes run from $364,900 to $1,718,800. The rate grid below shows illustrative pricing for this county by credit score and down payment.
See all-in costs for Orange County2026 conforming loan limit
$1,249,125
High-cost area (FHFA)
Median home value, middle ZIP
$892,200
Census ACS 2023
California effective property tax
0.68%
Statewide, 2022
California average closing costs
$5,962
Statewide, 2025
Illustrative rates in Orange County, CA
As of October 5, 2026, an illustrative 30-year fixed rate in Orange County, CA is 7.375% (7.445% APR) for a 740 credit score with 20% down on a $850,000 home.
Priced October 5, 2026 from Ralo's live pricing engine for Orange County on a $850,000 home. Re-priced weekly on business days.
| Credit score | 20% down | 5% down |
|---|---|---|
| 780 | 7.25% 7.319% APR | 7.125% 7.471% APR |
| 740 | 7.375% 7.445% APR | 7.375% 7.819% APR |
| 700 | 7.5% 7.572% APR | 7.49% 8.005% APR |
| 660 | 7.625% 7.698% APR | 7.625% 8.332% APR |
Est. principal & interest
$4,697/mo
740 score, 20% down on $850,000 — taxes and insurance vary by property
15-year fixed
6.625%
6.727% APR
7/6 ARM
6.75%
6.854% APR
Rates are illustrative examples, not a loan approval, rate lock, or commitment. Actual rates depend on credit score, LTV, occupancy, lock period, and loan amount. Ralo is an automated mortgage broker — not a lender — and earns a thin commission.
2026 conforming loan limits in Orange County
FHFA designates Orange County a high-cost area, so its limits are above the national baseline of $832,750 for a one-unit home. A loan at or under the limit can be sold to Fannie Mae or Freddie Mac and is priced as a conventional conforming loan. A loan above it is a jumbo loan.
| Property | 2026 limit |
|---|---|
| One unit | $1,249,125 |
| Two units | $1,599,375 |
| Three units | $1,933,200 |
| Four units | $2,402,625 |
Source: Federal Housing Finance Agency (FHFA), conforming loan limit values for 2026.
Home values by ZIP code in Orange County
The 12 most populous of 72 ZIP codes with Census data. Values are medians for owner-occupied homes, not listing prices.
| ZIP code | Area | Median home value | Median household income |
|---|---|---|---|
| 92683 | Westminster | $820,000 | $82,703 |
| 92804 | Anaheim | $729,700 | $74,588 |
| 92704 | Santa Ana | $641,600 | $94,249 |
| 92805 | Anaheim | $667,400 | $85,623 |
| 90631 | La Habra | $757,900 | $102,208 |
| 92630 | Lake Forest | $858,900 | $119,984 |
| 92677 | Laguna Niguel | $1,123,000 | $140,605 |
| 92703 | Santa Ana | $585,900 | $80,817 |
| 92620 | Irvine | $1,204,100 | $144,572 |
| 92801 | Anaheim | $632,600 | $78,477 |
| 92627 | Costa Mesa | $1,074,900 | $105,039 |
| 92707 | Santa Ana | $635,600 | $99,491 |
Source: US Census Bureau ACS 5-Year, 2023 five-year estimates.
Orange County mortgage questions
Want a clear quote in Orange County?
Compare rate, points, fees, and expected payment in one place so you can judge the real cost of the loan.
Compare Orange County quotes