The 92646 zip code enters September 2026 with roughly 59 active listings, 34 properties combined under contract and pending, and 44 recent closings, confirming steady activity across condos, townhomes, and single family homes. Entry level condos start in the high $400,000s, single family homes begin around $800,000, and 30 year fixed rates are sitting in the high 6% range. Properties priced to current comparable sales continue to sell quickly, while properties priced to where the market was earlier this year are sitting longer and eventually adjusting.
Thinking about buying or selling in the 92646 zip code? Reach out and we will walk through what these numbers mean for your specific situation.
What Is the 92646 Zip Code in Huntington Beach
The 92646 zip code covers central and south Huntington Beach, roughly the stretch bounded by Adams Avenue, Brookhurst Street, Indianapolis Avenue, and Beach Boulevard. It is a mix of condos, townhomes, and single family homes built mostly in the 1960s through the 1980s, with some newer infill construction mixed in along the way. Streets like Brookhurst, Indianapolis, and the Cape Coral and Bluffside condo communities near Warner Avenue sit inside this zip, along with the tract neighborhoods further south toward Yorktown.
For sellers, that mix of housing stock means a wide buyer pool touches this zip, from condo buyers moving up from a rental to families targeting a single family home with more room to grow, which keeps demand fairly steady across price points rather than concentrated in one narrow band.
92646 Market Snapshot — September 2026
Coming Soon
One property is currently listed as coming soon in 92646, a single family home priced at $1,499,000 expected to hit active status later this month. Coming soon listings are worth tracking closely since they give buyers a short window to prepare an offer strategy before a property goes fully active and draws a wider pool of interest.
Active Listings
Roughly 59 properties are active in 92646 right now, ranging from the high $400,000s up to just under $4,000,000.
- Condos and townhomes: approximately 21 active listings, roughly $464,900 to $1,475,000, with a typical unit landing around $715,000
- Single family homes: approximately 38 active listings, roughly $800,000 to $3,990,000, with a typical home landing around $1,737,000
Under Contract and Pending
Roughly 12 properties are currently under contract and 22 are pending, for a combined 34 properties moving through escrow. Pricing on these ranges from around $540,000 up to $4,150,000. Properties in this stage took a median of somewhere in the 30 to 45 day range to reach contract, which is a reasonable pace for a market that is neither rushed nor stagnant.
Sold Recently
Roughly 44 properties have closed recently in 92646, with prices ranging from around $712,500 up to $2,550,000. The bulk of closed sales concentrated between $760,000 and $1,800,000. Closed properties spent a median of only around 13 days on market before going under contract, which tells you that well priced inventory in 92646 is moving quickly once it hits the market.
What Current Interest Rates Mean for 92646 Sellers
The 30 year fixed rate is sitting in the high 6% range as of early September, roughly 6.7% to 6.8% depending on the lender and the borrower profile. That is not a dramatic change from where rates have been sitting for most of the summer, but it still shapes what a monthly payment looks like at different price points in this zip.
On an entry level condo around $600,000 with 10% down, monthly principal and interest at current rates runs roughly $3,500 to $3,800 before HOA dues, property taxes, and insurance are added in. On a single family home around $1,300,000 with 10% down, monthly principal and interest climbs to roughly $7,500 to $7,900.
For sellers, this is the affordability ceiling your buyer pool is working within right now, which is worth keeping in mind when you set your list price. 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. If you want a real number based on a buyer’s specific down payment and credit profile rather than a rough estimate, reach out and we will make the introduction.
What We Are Seeing on the Ground in 92646
92646 continues to be one of the more balanced zip codes in Huntington Beach. Condo and townhome activity in the $500,000s through $900,000s has been consistent month over month, and units that are priced in line with what has actually closed nearby are not sitting long. The single family side has depth across a wide range of price points, from entry level detached homes just under $1,000,000 up through larger remodeled or newer construction homes well past $2,000,000.
The clearest pattern right now is the split between properties priced to current comparable sales and properties priced to where the market was several months ago. The first group is generating showings and offers within the first couple of weeks. The second group tends to sit, accumulate days on market, and eventually come down in price to where it should have started. If you are a seller in 92646, pricing to today’s comps rather than to last spring’s numbers is the single biggest factor in how smoothly your sale goes. It is exactly the kind of pricing conversation we sit down and have with every listing before it goes live, and it matters just as much for an older tract home that only needs light cosmetic work: Should I Sell My Older Huntington Beach Tract Home As Is or Make Cosmetic Fixes First?
Is Now a Good Time to Sell in 92646
Yes, particularly if your home is priced to what has actually closed nearby rather than to where the market was earlier this year. With 44 recent closings and a median of only around 13 days on market, well priced inventory in 92646 is moving quickly, and that pace holds across both the condo and single family segments.
The properties dragging on the market in 92646 right now almost all share the same trait: they are priced to spring numbers instead of September numbers. With 34 properties currently working their way through escrow, buyer demand is clearly present, it is simply rewarding sellers who price to today’s comps from the start rather than testing a higher number and adjusting later. If you are weighing whether to list now or wait, that pricing discipline, not the calendar, is the bigger factor in how smoothly your sale goes.
Key Takeaways
- Roughly 59 active listings, 34 properties combined under contract and pending, and 44 recent closings in 92646
- Entry level condos start in the high $400,000s; single family homes generally start around $800,000
- 30 year fixed rates are sitting in the high 6% range, roughly 6.7% to 6.8%
- Closed sales are moving fast, a median of only around 13 days on market
- Pricing to current comparable sales, not to where the market was months ago, remains the biggest differentiator between a quick sale and a long sit
- Sellers benefit from steady buyer demand across both the condo and single family segments, not just one price tier
Frequently Asked Questions
What is the entry level price for a condo in 92646 right now?
Entry level condos in 92646 currently start in the high $400,000s, with standard two bedroom condos generally running from the high $500,000s into the $700,000s depending on the specific community and condition.
How many homes are selling in 92646 right now?
Roughly 44 properties have closed recently in 92646 across condos, townhomes, and single family homes, which confirms an active and consistent market rather than a slow one.
Is the 92646 market competitive for buyers right now?
Yes for well priced properties. Entry level condos and single family homes priced to comparable sales are generating buyer interest and moving within a reasonable timeframe. Overpriced properties are sitting noticeably longer. Coming in prepared with pre approval and a clear offer strategy matters.
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. Both indicate the property is no longer available to new buyers.
Is now a good time to sell my home in 92646?
Yes, particularly if it is priced to current comparable sales. Closed properties are spending a median of only around 13 days on market, and demand has stayed consistent across condos, townhomes, and single family homes, which gives sellers real flexibility in timing and pricing strategy.
What are property taxes like in 92646?
California property taxes are generally calculated at roughly 1% of the assessed value plus any local assessments or Mello Roos if applicable. On a $650,000 condo you can expect roughly $550 to $600 per month in property taxes as a baseline estimate.
How do I know if an HOA is financially healthy before buying a condo in 92646?
Request the HOA reserve study and current budget during your escrow period and check the reserve funding percentage. A healthy reserve fund is a good sign. A significantly underfunded reserve increases the risk of a future special assessment.
Are current mortgage rates affecting how many buyers are active in 92646?
Rates in the high 6% range are a real factor in monthly affordability, but the steady pipeline of under contract and pending properties shows buyer demand remains present despite the rate environment.
Next Step
92646 enters September as an active and reasonably balanced market across price points, with a healthy pipeline moving from active to under contract to closed. The clearest signal for both buyers and sellers is the same one that has held for most of the year: pricing to what has actually closed nearby, not to where the market was several months ago, is what separates a smooth transaction from a long sit and an eventual reduction. Thinking about buying or selling in 92646? 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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