95709 — El Dorado County, California Market Snapshot
Housing market data for zip code 95709 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$552,500
Days to Sell
28
Homes Sold
16
Inventory
18
Sale-to-List
97.2%
New Listings
28
Price/SqFt
$307
Pending Sales
22
Conforming Loan Available
Most homebuyers in 95709 can comfortably use conventional financing. The median home price of $552,500 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
Homes in 95709 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 95709 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 95709 can comfortably use conventional financing. The median home price of $552,500 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 95709 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 95709
To purchase the median home at $552,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,383.
Monthly Payment
$4,383
Income Required
$187,846
Principal & Interest
$3,404/mo
Down Payment (5%)
$27,625
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 95709.
Estimated Monthly Payment
$3,569
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