95633 — El Dorado County, California Market Snapshot
Housing market data for zip code 95633 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$425,000
Days to Sell
74
Homes Sold
12
Inventory
11
Sale-to-List
94.0%
New Listings
13
Price/SqFt
$279
Pending Sales
12
Conforming Loan Available
Most homebuyers in 95633 can comfortably use conventional financing. The median home price of $425,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 74 days on average, 95633 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 95633 sells for 6.0% below asking price (94.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 95633 can comfortably use conventional financing. The median home price of $425,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95633 are set at the county level.
2026 Loan Limits — El Dorado County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $764,750 |
| 2 Units | $1,066,250 | $979,000 |
| 3 Units | $1,288,800 | $1,183,400 |
| 4 Units | $1,601,750 | $1,470,700 |
Affordability Snapshot — Zip 95633
To purchase the median home at $425,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,406.
Monthly Payment
$3,406
Income Required
$145,980
Principal & Interest
$2,619/mo
Down Payment (5%)
$21,250
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 95633.
Estimated Monthly Payment
$2,780
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