Huntington Beach in short: The typical home is worth about $1,352,000 as of August 2026, up 5.4% in a year, against about $1,179,000 across Orange County. About 436 homes are for sale. Homes that sell go under contract in about 23 days. Typical rent is about $3,080 a month. First-time buyers can combine county and state down payment programs.
Huntington Beach, known as Surf City USA, has about 10 miles of beaches, the Huntington Beach Pier and a busy Main Street downtown. Beyond the coast it is a large residential city with many distinct neighborhoods, from the waterfront homes of Huntington Harbour to inland tracts near Huntington Central Park.
Most of the housing is single-family homes built from the 1960s through the 1980s, along with condos, townhomes and newer developments. Values sit above the county's typical figure and rise the closer you get to the sand and to Huntington Harbour's docks.
Parts of the city near the harbor and the Bolsa Chica wetlands sit in FEMA flood zones, which can require flood insurance. I check the flood map and get insurance estimates before any offer.
Huntington Beach housing market, August 2026
Home values in Huntington Beach are up 5.4% from a year ago and up 15.3% over three years. Homes that sell are going under contract in about 23 days. About 27.2% of listings have had a price cut, which tells you how much room there is to negotiate. For comparison, the typical home value across Orange County is $1,179,000. At the typical rent and value, the gross rental yield is about 2.7% a year before expenses.
Sources: Zillow Research (home value and rent indexes, inventory, days to pending, price cuts) and Realtor.com Research, data through August 2026. These are market-wide figures, not an appraisal of any one home. See the Orange County market report for the county trend.
What a typical Huntington Beach home costs to own
20% down
$8,904/month
- Down payment$270,352
- Principal and interest$7,158
- Property tax$1,239
- Insurance$507
Income to qualify: about $382,000 a year
10% down
$10,357/month
- Down payment$135,176
- Principal and interest$8,053
- Property tax$1,239
- Insurance$507
- Mortgage insurance$558
Income to qualify: about $444,000 a year
Estimates on the typical home value of $1,352,000 at the 6.95% 30-year fixed average (2026-09-17), with property tax at 1.1% and insurance at 0.45% of value a year, and income at 28% of gross for housing. HOA dues and Mello-Roos are extra where they apply. Not a loan quote. Down payment programs below can cover part of the down payment. See 20 years of mortgage rates.
Neighborhoods in Huntington Beach
- Huntington HarbourWaterfront homes on channels and islands, many with private docks.
- Downtown Huntington BeachCondos, cottages and newer homes near Main Street and the pier.
- SeacliffHomes around the golf course near the coast in the west of the city.
- Southeast Huntington BeachNeighborhoods near the wetlands and Pacific Coast Highway.
- Huntington Central Park areaInland single-family tracts close to the city's largest park.
Schools
Several elementary districts serve the city, including Huntington Beach City, Ocean View, Fountain Valley and Westminster school districts, with Huntington Beach Union High School District covering high school. Always confirm the assigned school for a specific address with the district.
Getting around
The 405 runs along the city's northeast side, and Pacific Coast Highway, Beach Boulevard and Goldenwest Street carry most local traffic.
Down payment help for Huntington Beach buyers
Orange County Mortgage Assistance Program (MAP) Open
OC Housing and Community Development
A deferred second loan at 3% simple interest of up to $120,000 for low-income and $80,000 for moderate-income first-time buyers. The price must be at or below 85% of the county median sales price.
Orange County Mortgage Credit Certificate (MCC) Open
County of Orange, administered by National Homebuyers Fund
A federal income tax credit on part of the mortgage interest you pay, every year for the life of the loan. Income up to 115% of area median income, and it stacks with MAP and other programs.
CalHFA MyHome Assistance Program Open
California Housing Finance Agency
A deferred junior loan of up to 3% of the price toward the down payment or closing costs, paired with a CalHFA first mortgage. No monthly payment until you sell, refinance or pay off the loan.
See every program you may qualify for
Program terms from the official program pages, last checked September 2026. Income and price limits apply and funds can close without notice, so confirm current terms before you rely on them.
Huntington Beach ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 90742 | $3,795,000 | $1,664 | 3 | 50 |
| 92646 | $1,317,000 | $733 | 81 | 40 |
| 92647 | $1,200,000 | $743 | 41 | 50 |
| 92648 | $1,824,000 | $875 | 101 | 54 |
| 92649 | $1,785,000 | $861 | 95 | 52 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Huntington Beach real estate questions
How much does a home cost in Huntington Beach?
As of August 2026, the typical home value in Huntington Beach is about $1,352,000, up 5.4% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $1,413,000. Condos and townhomes usually sit below the typical value and larger detached homes above it.
What is the monthly payment on a typical home in Huntington Beach?
At the typical value of $1,352,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $10,357. Lenders would usually look for household income around $443,871. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for Huntington Beach buyers?
Yes. Countywide, first-time buyers in Huntington Beach can look at the Orange County Mortgage Assistance Program and the Orange County Mortgage Credit Certificate, and statewide at CalHFA's MyHome Assistance Program. Income and price limits apply, and the right combination depends on your situation. The finder on this site lists more than 40 programs across Southern California.
Do I need flood insurance in Huntington Beach?
Some homes do. Parts of Huntington Beach near the harbor, the wetlands and the coast are in FEMA flood zones, where lenders usually require flood insurance. Other areas are not. I check the flood map for each address and get an estimate before you make an offer.
Official resources
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