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Taylor Weiner Team: Orange County Buyers Need About 15.3% Down at the $1,475,000 Median to Stay Under the 2026 Conforming Cap
Taylor Weiner Team says Orange County’s 2026 median single-family home price exceeds the conforming loan limit, making the down payment important for loan eligibility.
The California Association of Realtors reported that Orange County’s median price reached $1,475,000 in July 2026, up 5.4% from July 2025.
The Federal Housing Finance Agency set Orange County’s 2026 conforming loan limit at $1,249,125 for a one-unit property.
At the median price, buyers need at least $225,875 down, or 15.3%, to stay within the conforming limit; a 20% down payment would produce a $1,180,000 loan.