The 92648 zip code, covering Downtown Huntington Beach, the pier area, and Seacliff, opens September 2026 with roughly 83 active listings, 40 properties combined under contract and pending, and 22 recent closings. Pricing ranges from the high $400,000s for an entry level condo up past $9,900,000 for the top of the market. This remains Huntington Beach’s premium tier, and the pricing power it gives sellers is holding rather than softening. 30 year fixed rates remain in the high 6% range.
Thinking about buying or selling in the 92648 zip code? Reach out and we will walk through what these numbers mean for your specific situation.
What Is the 92648 Zip Code in Huntington Beach
The 92648 zip code covers Downtown Huntington Beach, the pier area along Main Street and Pacific Coast Highway, and the Seacliff neighborhood further south. It is the most coastal and walkable zip in the city, with easy access to the pier, Main Street shops and restaurants, and the beach itself from most addresses. Housing stock ranges from older bungalows and condo buildings near the numbered downtown streets to newer construction condos along Main Street and larger custom and semi custom homes in Seacliff.
If you are preparing to sell a coastal or Seacliff property in this zip, the salt air brings its own maintenance checklist worth working through before photo day: What Coastal Maintenance Issues Should I Inspect Before Selling Near Huntington Harbour or PCH?
92648 Market Snapshot — September 2026
Coming Soon
One property is currently listed as coming soon in 92648, a single family home priced at $2,249,000 expected to hit active status later this month.
Active Listings
Roughly 83 properties are active in 92648 right now, ranging from the high $400,000s up past $9,900,000, which is the widest price spread of any zip in Huntington Beach.
- Condos and townhomes: approximately 30 active listings, roughly $480,000 to $2,350,000, with a typical unit landing around $1,077,000
- Single family homes: approximately 53 active listings, roughly $1,050,000 to $9,995,000, with a typical home landing around $2,499,000
Under Contract and Pending
Roughly 21 properties are currently under contract and 19 are pending, for a combined 40 properties moving through escrow, priced from around $649,900 up to $4,200,000. Properties under contract in 92648 are taking noticeably longer to reach that stage right now, a median of around 80 days, while pending properties are moving faster at a median of around 27 days, which suggests higher end inventory is taking more negotiation and time before terms are finalized.
Sold Recently
Roughly 22 properties have closed recently in 92648, with prices ranging from around $502,000 up to $3,625,000. Closed properties spent a median of only around 8 days on market, which tells you that well priced inventory in this zip, even at higher price points, is still finding buyers quickly.
What Current Interest Rates Mean for 92648 Sellers
The 30 year fixed rate is sitting in the high 6% range as of early September, roughly 6.7% to 6.8%. Given the price points in 92648, jumbo financing is common, particularly for single family purchases above conforming loan limits.
On an entry level condo around $650,000 with 10% down, monthly principal and interest at current rates runs roughly $3,800 to $4,000 before HOA dues, property taxes, and insurance are added in. On a single family home around $1,500,000 with 20% down, which is a more realistic down payment assumption at this price tier, monthly principal and interest runs roughly $7,700 to $7,900.
For sellers, this is why jumbo financing timelines are worth building into your expectations. A qualified buyer at this price tier often needs a bit more time to finalize financing, which is part of what is stretching the under contract timeline this month. 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 buyers in this zip. 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 92648
92648 continues to carry a significant premium over the rest of Huntington Beach, and that premium is holding rather than softening. Coastal proximity, walkability to the pier and Main Street, and the desirability of Seacliff specifically are the drivers. Newer construction condos along Main Street continue to price from the high $1,000,000s into the $1,800,000s and higher, expanding the higher end inventory in this zip even as the overall active count has stayed roughly flat compared to August.
The gap between under contract and pending timing this month is worth noting. Properties are taking longer to get from active to under contract, likely reflecting more negotiation on price and terms at these price points, but once terms are agreed the path to pending and closing is moving efficiently. Sellers in this zip should expect a longer runway to a signed offer than they might see in 92646 or 92647, but that does not mean less buyer interest, it means more careful buyers, and it is exactly why pricing and presentation matter more at this tier, not less.
Is Now a Good Time to Sell in 92648
Yes, and the premium this zip commands is holding steady rather than softening. With 22 recent closings at a median of only around 8 days on market, well priced inventory even at this tier is still finding buyers quickly. What has changed is the negotiation window, properties are taking longer to get from active to under contract, a median of around 80 days, which means sellers should expect more back and forth on price and terms before a deal comes together.
That longer runway is not a warning sign, it reflects buyers at this price point taking their time to make a confident decision rather than a lack of interest. Once terms are agreed, escrows in 92648 are closing efficiently. Presentation and pricing accuracy matter more at this tier, not less, since the buyer pool here is smaller and more discerning than in the rest of Huntington Beach.
Key Takeaways
- Roughly 83 active listings, 40 properties combined under contract and pending, and 22 recent closings in 92648
- Pricing spans the high $400,000s to just under $10,000,000, the widest range of any Huntington Beach zip
- Coastal proximity and Seacliff desirability continue to support a real premium over the rest of the city
- Jumbo financing is common at this price tier, particularly for single family purchases
- Properties are taking longer to reach under contract this month, a median of around 80 days, though pending properties are still moving efficiently toward closing
- Strong seller conditions persist despite a longer negotiation window, with closed sales moving at a median of only around 8 days on market
Frequently Asked Questions
What is the entry level price for a condo in 92648 right now?
Entry level condos in 92648 currently start in the high $400,000s to $600,000s, generally located further from the immediate Downtown or coastal core rather than steps from the pier.
How many homes are selling in 92648 right now?
Roughly 22 properties have closed recently in 92648, with pricing ranging from around $502,000 up to $3,625,000, confirming active buyer demand across a wide range of price segments.
Is now a good time to sell in 92648?
Yes. Closed properties are moving at a median of only around 8 days on market even at this zip’s higher price points, which confirms strong buyer demand. Sellers should expect a longer negotiation window before going under contract, but that reflects careful buyers, not soft demand.
What is driving the price premium in 92648 compared to other Huntington Beach zips?
Coastal proximity, walkability to the pier and Main Street, and the desirability of the Seacliff neighborhood specifically are the main drivers of the premium this zip commands.
Is new construction available in 92648?
Yes, several Main Street condo developments represent growth in the higher end inventory, generally pricing from the high $1,000,000s into the $1,800,000s and higher.
Will I likely need a jumbo loan to buy a single family home in 92648?
Often yes, particularly for purchases above conforming loan limits, which describes most single family inventory in this zip.
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.
Why are properties taking longer to go under contract in 92648 this month?
Higher price points generally involve more negotiation on price and terms before an offer is finalized. Once terms are agreed, though, properties in this zip are moving from pending to closing efficiently.
Next Step
92648 remains Huntington Beach’s premium tier heading into September, with active demand across price points and a market that continues to reward the walkability and coastal access this zip is known for. Thinking about buying or selling in 92648? 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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