The 92649 zip code, home to Huntington Harbour, opens September 2026 with roughly 74 active listings, 30 properties combined under contract and pending, and 18 recent closings. This zip carries the widest price range in Huntington Beach, from non Harbour entry level condos around $450,000 to waterfront homes with boat docks pushing past $10,900,000. 30 year fixed rates remain in the high 6% range, and how a listing is priced depends heavily on which side of this bifurcated zip it sits on.
Thinking about buying or selling in the 92649 zip code? Reach out and we will walk through what these numbers mean for your specific situation.
What Is the 92649 Zip Code in Huntington Beach
The 92649 zip code covers northwest Huntington Beach and is defined largely by Huntington Harbour, a network of interconnected waterways, channels, and islands that includes Humboldt, Trinidad, Admiralty, Davenport, and Gilbert Island. Harbour adjacent streets like Edgewater Lane, Carousel Lane, Marina Bay Drive, and Bayview Drive offer waterfront homes with private boat dock access, some of the only inventory of its kind in coastal Orange County. The zip also includes inland condo and townhome communities along Warner Avenue that function as a separate, more accessible market from the Harbour itself.
If you are getting a Harbour or coastal property ready to list, the salt air brings a specific maintenance checklist worth working through before it goes live: What Coastal Maintenance Issues Should I Inspect Before Selling Near Huntington Harbour or PCH?
92649 Market Snapshot — September 2026
Coming Soon
One property is currently listed as coming soon in 92649, a condo priced at $665,000 expected to hit active status later this week.
Active Listings
Roughly 74 properties are active in 92649 right now, ranging from around $449,800 up to $10,995,000, by far the widest spread of any zip in Huntington Beach.
- Condos and townhomes: approximately 27 active listings, roughly $449,800 to $2,299,000, with a typical unit landing around $775,000
- Single family homes, including Harbour waterfront: approximately 47 active listings, roughly $1,275,000 to $10,995,000, with a typical home landing around $2,830,000
Under Contract and Pending
Roughly 22 properties are currently under contract and 8 are pending, for a combined 30 properties moving through escrow, priced from around $539,000 up to $5,495,000. Properties in this zip are taking longer to move through escrow than most other Huntington Beach zips, a median of around 58 days under contract and around 66 days pending, which reflects the amount of negotiation that typically goes into higher end and waterfront transactions.
Sold Recently
Roughly 18 properties have closed recently in 92649, with condo and townhome sales generally ranging from around $599,000 up to $1,488,000, and single family sales, including Harbour waterfront, ranging from around $1,204,000 up to $5,300,000. One additional condo transaction closed at a well below market price and reflects an atypical transfer rather than a representative sale, so it has been excluded from the range above to keep the numbers meaningful. Closed properties spent a median of around 26 days on market.
What Current Interest Rates Mean for 92649 Sellers
The 30 year fixed rate is sitting in the high 6% range as of early September, roughly 6.7% to 6.8%. On the non Harbour side of 92649, an entry level condo around $500,000 with 10% down runs roughly $2,900 to $3,000 per month in principal and interest. On a non Harbour single family home around $1,400,000 with 10% down, monthly principal and interest runs roughly $8,100 to $8,200. Harbour waterfront purchases, generally starting around $2,500,000 and extending well past $10,000,000, almost always involve jumbo financing.
For sellers on the non Harbour side, that is the affordability range your buyer pool is working within. For Harbour sellers, financing timelines tend to run longer given the jumbo amounts involved, which is worth building into your expectations around how quickly a signed offer moves to close. We work closely with Erin Halliday at New American Funding in Huntington Beach, a top 1% loan originator nationwide with over two decades of local mortgage experience who regularly handles jumbo financing for Harbour buyers. If you want a real number based on a buyer’s specific down payment and credit profile, reach out and we will make the introduction.
What We Are Seeing on the Ground in 92649
92649 is the most bifurcated zip in Huntington Beach, and that split is exactly what the numbers above show. The non Harbour side, mostly condos and townhomes along Warner Avenue, behaves like a fairly typical northwest Huntington Beach market, with pricing and pace comparable to 92647. The Harbour side is a different market entirely, with true waterfront and dock access properties turning over far less frequently and commanding a significant premium that non Harbour comparable sales cannot explain.
If you are a seller with a non Harbour property, price to the non Harbour comps in this zip and in 92647, not to the Harbour numbers that will otherwise pull your expectations too high. If you are a seller with true waterfront access, that scarcity is real and continues to support pricing that Southern California has very little comparable inventory for. We have sold Harbour waterfront long enough to know the buyer pool for true dock access is small, patient, and willing to wait for the right property rather than the first one, which changes how we price and market it from day one.
Is Now a Good Time to Sell in 92649
It depends on which side of the zip your property sits on, and that is exactly why pricing strategy matters so much here. On the non Harbour side, demand and pace look a lot like neighboring 92647, and homes priced to those comps are moving in a reasonable timeframe. On the Harbour side, true waterfront and dock access inventory is genuinely scarce, and that scarcity continues to support strong pricing for sellers patient enough to wait for the right buyer rather than the first one.
Where sellers get into trouble in 92649 is pricing a non Harbour property against Harbour comps, or the reverse. The two markets do not talk to each other the way they might appear to on paper. Getting that distinction right from day one is the difference between a listing that prices correctly the first time and one that needs a reduction to find its real market.
Key Takeaways
- Roughly 74 active listings, 30 properties combined under contract and pending, and 18 recent closings in 92649
- The widest price range of any Huntington Beach zip: non Harbour condos from around $450,000 up to Harbour waterfront homes past $10,900,000
- Non Harbour and Harbour properties need to be priced against their own separate comps, not against each other
- Properties are taking longer to move through escrow than most other zips, reflecting the negotiation that typically goes into higher end and waterfront deals
- One condo sale this period closed well below market value and was excluded from the sold range as a non market transfer rather than a representative sale
- Harbour waterfront and dock access inventory remains scarce and continues to command a significant premium
Frequently Asked Questions
What is the entry level price for a condo in 92649 right now?
On the non Harbour side of 92649, entry level condos currently start around $450,000, with standard units generally running from the high $500,000s into the $900,000s depending on the community and condition.
Is Huntington Harbour part of the 92649 zip code?
Yes, Huntington Harbour sits within 92649, though it functions as a distinct waterfront market with its own pricing dynamics separate from the rest of the zip.
How many homes are selling in 92649 right now?
Roughly 18 properties have closed recently in 92649, spanning from the high $500,000s on the non Harbour side up to $5,300,000 for Harbour adjacent single family homes.
Why do prices vary so much within the same zip code?
92649 includes both standard northwest Huntington Beach inventory and Huntington Harbour’s private dock waterfront homes, which carry a significant premium that has little to do with square footage alone.
Does buying in Huntington Harbour usually require a jumbo loan?
Often yes, given the price points common in the Harbour, particularly for waterfront or near waterfront properties with dock access.
What does under contract mean versus pending in a market report?
Under contract generally means an offer has been accepted and the property is in escrow but contingencies have not yet been removed. Pending typically means contingencies have been removed and the sale is moving toward closing.
Is Harbour inventory harder to find than non Harbour inventory in 92649?
Yes, true waterfront and dock access properties turn over less frequently than standard housing in this zip, since owners tend to hold these properties longer given how limited the supply is.
Is now a good time to sell a non Harbour property in 92649?
Yes. Non Harbour inventory in this zip behaves similarly to 92647, and properties priced to those comparable sales are moving within a reasonable timeframe. The key is pricing to non Harbour comps specifically, not to the Harbour numbers that can otherwise pull expectations too high.
Next Step
92649 remains the most unique zip code in Huntington Beach, with an active market across the full spectrum from accessible non Harbour condos to some of the most irreplaceable waterfront real estate in coastal Orange County. Thinking about buying or selling in 92649? Reach out and we will talk through what these numbers mean for your specific situation.
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Jennifer Thomas and Ian Wilfert are Huntington Beach real estate partners at Seven Gables Real Estate, serving buyers and sellers across Huntington Beach and Orange County. Jennifer Thomas is a Huntington Beach real estate broker with 40 years of experience, over 1,100 closed transactions, and a reputation as one of Orange County’s most trusted listing agents and senior relocation specialists. Ian Wilfert specializes in first time home buyers, guiding clients through every step of the buying process in Huntington Beach and surrounding Orange County communities. Together Jennifer and Ian bring decades of established market knowledge and first time buyer expertise to every client they serve in Huntington Beach and Orange County. For the fastest response, contact Ian directly at 714-887-9560 or ianw@sevengables.com. Jennifer can also be reached at Jennifer@JenniferThomas.com or 714-415-5052. Visit ianwilfert.com. Jennifer Thomas DRE 00931959 | Ian Wilfert DRE 02096787.
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