ZIP Code 92649 — Huntington Beach, CA Home Prices (2026)
The typical home in ZIP 92649 (Huntington Beach, California) is worth about $1,382,000 at roughly $876 per square foot — 1% more affordable than the Huntington Beach median and 370% more expensive than the typical U.S. home.
How 92649 compares
ZIP 92649 is one of the more affordable ZIP codes in Huntington Beach: its typical home value of $1,382,000 ranks #4 of the 5 Huntington Beach ZIP codes we track (the citywide range runs from $1,255,000 in 92647 to $2,182,000 in 90742). Per square foot it costs about $876, against $864 for Huntington Beach as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 92649 | $1,382,000 | $876 |
| Huntington Beach, CA | $1,403,000 | $864 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 92649
Using this ZIP’s rate of about $876 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $876,000 |
| 1,500 sq ft | $1,314,000 |
| 2,000 sq ft | $1,752,000 |
| 2,500 sq ft | $2,190,000 |
| 3,000 sq ft | $2,628,000 |
Salary needed to buy a home in ZIP 92649
To buy the typical $1,382,000 home in ZIP 92649 with 20% down, you need a household income of roughly $376,000 a year (about $8,770 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $447,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $69,100 | $10,900/mo | $467,000/yr |
| 10% (+PMI) | $138,200 | $10,420/mo | $447,000/yr |
| 20% | $276,400 | $8,770/mo | $376,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 92649
At about $876 per square foot, here is roughly how much home different budgets get you in ZIP 92649:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $750k | 860 sq ft | below the local median — condos, smaller or older homes |
| $1.00M | 1140 sq ft | below the local median — condos, smaller or older homes |
| $1.50M | 1710 sq ft | around the typical home here |
| $2.00M | 2280 sq ft | above the median — larger homes or the pricier ZIPs |
| $3.00M | 3420 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 92649 home.
Estimate a specific home in 92649
The estimator below is pre-set to ZIP 92649 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Huntington Beach ZIP codes by home value
Where 92649 sits among Huntington Beach’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 90742 | $2,182,000 | $1388 |
| 2 | 92648 | $1,549,000 | $864 |
| 3 | 92646 | $1,403,000 | $762 |
| 4 | 92649 (this page) | $1,382,000 | $876 |
| 5 | 92647 | $1,255,000 | $752 |
ZIP 92649 home prices: frequently asked
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See the full Huntington Beach home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.