95651 — El Dorado County, California Market Snapshot
Housing market data for zip code 95651 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the El Dorado County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$1,200,000
Days to Sell
15
Homes Sold
3
Inventory
2
Jumbo Loan Likely Needed
The median home in 95651 at $1,200,000 exceeds the 2026 conforming loan limit of $832,750 by $367,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 95651 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 95651 at $1,200,000 exceeds the 2026 conforming loan limit of $832,750 by $367,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 95651 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 95651
To purchase the median home at $1,200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,344.
Monthly Payment
$9,344
Income Required
$400,458
Principal & Interest
$7,394/mo
Down Payment (5%)
$60,000
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 95651.
Estimated Monthly Payment
$7,577
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 95651.
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