The numbers can help you buy with more confidence, when you know how to read them. Here is what today's San Clemente data means for your offer.
The numbers, right now
- ZIP 92672: typical home value $1.75M (Aug 2026), +7.5% over the past year, about 99 homes for sale.
- ZIP 92673: typical home value $1.74M (Aug 2026), +3.0% over the past year, about 75 homes for sale.
- Mortgage rates: the national average 30-year fixed rate was 7.03% (Freddie Mac, week of Sep 24, 2026).
- A quick example: a home at $1.75M with 20% down at that rate is roughly $9,330 a month in principal and interest, before taxes and insurance.
See the full picture, week by week and month by month, in the San Clemente market reports.
Getting your money ready
- Property tax: plan on about 1.1% to 1.25% of the purchase price a year, or roughly $19,000 to $22,000 on a home at the typical value. Your title company can confirm exact figures for any property.
- Loan limits: the 2026 conforming loan limit in Orange County is $1,249,125. Typical homes here sit above it, so jumbo financing is common, and Rudy works with lenders who handle it every day.
- Cash to close: closing costs commonly run about 2% to 3% of the price. Try the closing cost estimator.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Rodrigo Ballon with CrossCountry Mortgage, at 858-735-0255. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
What to know about buying in San Clemente
- Read supply and pace together. Homes for sale and days to pending tell you how much room to negotiate. The market reports track both every week.
- Use ZIP-level data. San Clemente has more than one ZIP code, and they can move differently.
- Compare the type you want. Condominiums and houses behave differently, so ask for comparisons of the same type.
- Remember the terms. Rates and price together decide your monthly payment, so run both in the calculator.
Your next steps
- Try the payment calculator and affordability calculator.
- Read Rudy's step-by-step buyer guides for timelines, loans, offers and closing.
- Tell Rudy what you are looking for and he will build a personal plan.
Keep going
- Selling in San Clemente — Pricing, preparation and what you keep.
General information only, not legal, tax or financial advice. Market figures come from Zillow Research, FHFA and Freddie Mac and change often. Programs, rates and rules change, so confirm details with your lender or tax professional.