Your Property Details
Orange, Orange County median: $950,000
Orange, Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $10,450
Your Equity Position
Current Equity
$380,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$760,000
Cash Available
$190,000
Max New Loan
$807,500
Cash Available
$237,500
Max New Loan
$855,000
Cash Available
$285,000
5-Year Projection for Orange, Orange County
Based on 35.0% historical appreciation in Orange, Orange County, California:
Projected Value (5yr)
$1,282,500
Projected Equity Gain
$332,500
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Orange, Orange County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Orange, California?
Orange is in Orange County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Orange?
With Orange's median home value of $950,000, a homeowner with 40% equity could access approximately $190,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Orange, Orange County?
The average effective property tax rate in Orange is 1.10%. On a home valued at $950,000, that's approximately $10,450 per year. Property taxes are factored into your total PITI payment.
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