Rates are high, but some parts of Huntington Beach still see bidding pressure
CNBC reported the average 30-year fixed mortgage rate hit 7.49% last week. That is a real hurdle for buyers. But it has not erased competition in every part of Huntington Beach.
The Real Estate Data Aggregator counted 1,238 homes sold across Huntington Beach in the three months ending August 31, 2026. That is down 7.5% from the same months of 2025. Fewer sales, but not a quiet market everywhere.
Where bidding pressure is strongest
The Real Estate Data Aggregator shows ZIP 92708 had 52.7% of homes sell above list price. That is the highest share in the market. ZIP 92841 was close behind at 61.3%, and ZIP 92844 reached 61.9%. ZIP 92703 led all ZIPs at 66.7%, though only 21 homes sold there.
- 19270366.7%
- 29284461.9%
- 39284161.3%
- 49270852.7%
- 59268348.1%
- 69270444.6%
- 79284339.3%
- 89264635.3%
ZIP 92708 sold homes in a median of just 28 days, per the Real Estate Data Aggregator. Buyers there faced the most speed pressure in the market. The average sale came in at 102.4% of list price.
ZIP 92683 also showed real pressure. The Real Estate Data Aggregator put 48.1% of homes there above list price, up 6.8 points from 2025. Prices rose 8.2%, to a median of $1,190,000.
Where the market is more balanced
Not every ZIP looks the same. ZIP 92663 had only 4.6% of homes sell above list, per the Real Estate Data Aggregator. Homes there sat for a median of 68 days. ZIP 92660 was similar, at 9.2% above list and 49 days on market.
| 92708 (tight) | 92663 (balanced) | |
|---|---|---|
| Sold above list | 52.7% | 4.6% |
| Median days on market | 28 days | 68 days |
| Sale to list price | 102.4% | 95.4% |
| Months of supply | 2.2 months | 4.3 months |
ZIP 92649 also leaned toward buyers. The Real Estate Data Aggregator counted 51 median days on market there. Only 15.8% of homes sold above list, down 6.4 points from 2025. Supply rose 25.6%.
What the national picture adds
CNBC reported that mortgage purchase applications fell 15% from a year ago. That is a sign that high rates are keeping some buyers on the sideline nationally. The Federal Housing Finance Agency said U.S. home prices rose 2.6% from July 2025 to July 2026. Local price moves here vary much more widely than that.
Speed: how fast homes moved
The Real Estate Data Aggregator shows ZIP 92708 and ZIP 92844 both had a median of 28 days on market. ZIP 92703 was 32 days. ZIP 92663 was the slowest at 68 days. That is a 40-day gap between the fastest and slowest ZIP codes.
- 19270828 days
- 29284428 days
- 39270332 days
- 49268333 days
- 59264633 days
- 69262638 days
- 79284138 days
- 89284338 days
Prices: gains and dips
Prices did not move the same way everywhere. ZIP 92660 rose 30.9% to a median of $3,650,000, per the Real Estate Data Aggregator. ZIP 92663 fell 18.7% to $2,685,000. ZIP 92843 dipped 9.9% to $860,000. Not every seller saw gains.
- Rates at 7.49% (CNBC) have slowed purchase applications nationally and trimmed sales counts here.
- But the Real Estate Data Aggregator shows that in ZIP 92708, more than half of homes sold above list price, and 60.4% went under contract within two weeks.
- ZIP 92683 was nearly as competitive.
- ZIP 92663 and ZIP 92649 tell a different story, with longer waits and fewer bidding wars.
- One ZIP code reads very differently from the next.
These are market-wide numbers for the three months ending August 31, 2026. One street can read very differently from the ZIP code around it. If you want to know where your block stands, text me your address.
Your next step
(714) 308-3259Text me your address and I will send back what share of homes near you sold above list price, and how that compares with your Huntington Beach ZIP code. Takes a day, costs nothing.
Text me- Real Estate Data Aggregator numbers for ZIPs 92683, 92648, 92647, 92646, 92649, 92708, 92627, 92626, 92663, 92660, 92707, 92704, 90740, 92843, 92841, 92844 and 92703, the three months ending August 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Oct 7, 2026.
- CNBC: Refinance demand is now half what it was a year ago, as mortgage rates rise again, Oct 7, 2026
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026
- Redfin: U.S. Pending Home Sales Sink Near 12-Year Low, Oct 12, 2026
- Redfin: U.S. Pending Home Sales Sink Near 12-Year Low, Oct 12, 2026
- Realtor.com: September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%, Sep 30, 2026
- Realtor.com: August 2026 Rental Report: Rents Fall for 37th Straight Month as Concessions Give Renters More Leverage, Sep 17, 2026