Published October 7, 2026 in Market Update

Inventory is up in Huntington Beach, but sales are still down

By Michelle

Real estate, huntington beach

Here is the one thing every Huntington Beach homeowner should know right now. More competition is coming from other sellers, and buyers are slowing down because borrowing costs are high. That shapes every decision you make about price and timing.

These numbers cover the three months ending August 31, 2026. That is the period you are reading about.

The market-wide picture

The Real Estate Data Aggregator counted 1,246 homes for sale across Huntington Beach in the three months ending August 31, 2026. That is up 4.5% from the same months of 2025. New listings rose too, up 3.5% to 1,544. So sellers have more neighbors to compete with.

At the same time, the Real Estate Data Aggregator counted only 1,238 homes sold. That is down 7.5% from a year before. Pending sales fell 6.8% to 1,308. Buyers are out there, but they are moving more slowly.

CNBC reported that the average 30-year fixed mortgage rate reached 7.30% as of September 30, 2026. That is a real cost that shapes what buyers can offer. It does not stop sales, but it slows decisions and can trim the number a buyer puts on paper.

What the rate means for sellers

CNBC also noted that weekly mortgage demand dropped 6% according to the Mortgage Bankers Association. Fewer loan applications means fewer buyers ready to move fast. That is not a reason to panic. It is a reason to price carefully from the start.

How each ZIP code is reading

The market-wide numbers tell one story. Each ZIP code tells its own. Some are moving faster than you would expect. Others are sitting longer.

The ZIP codes where homes are selling fast

In 92708, the Real Estate Data Aggregator counted a median of just 28 days on market. That was 5 days shorter than a year before. The sale-to-list ratio there was 102.4%, and 52.7% of homes sold above list price. Supply sat at only 2.2 months.

In 92646, the median was also 33 days. Supply was 2.2 months, unchanged from a year before. The sale-to-list ratio held at 100.3%. Homes sold fell 14.1%, a small honest admission, but the homes that did sell moved at a steady pace.

In 92683, the Real Estate Data Aggregator counted 77 homes sold. The median sale price rose 8.2% to $1,190,000. Days on market came in at 33, one day shorter than a year before. Nearly half of homes, 48.1%, sold above list price.

The ZIP codes where supply is building

In 92663, the Real Estate Data Aggregator counted 4.4 months of supply. That is up 1 month from a year before. Homes sold fell 23.3% to 66. The median days on market was 68. Sellers there are facing more patience from buyers.

In 92703, months of supply jumped to 6.3, up 3.7 months from a year before. Homes sold fell 56.3% to just 21. That is a sharp drop. Pricing matters more in a ZIP like this than almost anywhere else in this market.

In 92627, inventory rose 36.1% and new listings jumped 33.3%. Homes sold fell 18.9%. The median sale price rose 19% to $1,584,500, but that figure reflects the mix of what sold, not an easy market for every seller.

Prices: mostly up, a few dips

Most ZIP codes saw prices rise. The Real Estate Data Aggregator showed 92649 up 14.3% to $1,486,500. ZIP 92627 rose 19% to $1,584,500. ZIP 92660 rose 30.9% to $3,650,000.

A few ZIPs dipped. In 92663, the median fell 18.7% to $2,685,000. In 92843, it fell 9.9% to $860,000. In 92844, it fell 7.8% to $765,000. In 92708, it fell 4.1% to $1,400,000. Not every address moved the same direction.

The national backdrop

The Federal Housing Finance Agency reported that U.S. house prices rose 2.6% from July 2025 to July 2026. That is a slower pace than what several Huntington Beach ZIP codes are showing. Local prices here are outrunning the national average in most areas.

Realtor.com reported that mortgage rates topped 7% for the first time since January 2025 in September 2026. That context matters. Buyers across the country are recalculating. Huntington Beach is not alone in feeling that pressure.

One more thing worth saying: the ZIP code numbers above are real, but one street can read very differently from the whole ZIP. A block closer to the water, a street with a different school zone, a pocket with newer builds. The averages above are a starting point, not the final word on your home.