93225 — Kern County, California Market Snapshot
Housing market data for zip code 93225 in Kern County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$329,000
Days to Sell
43
Homes Sold
13
Inventory
46
Sale-to-List
97.0%
New Listings
35
Price/SqFt
$229
Pending Sales
17
Conforming Loan Available
Most homebuyers in 93225 can comfortably use conventional financing. The median home price of $329,000 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
93225's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 93225 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 93225 can comfortably use conventional financing. The median home price of $329,000 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 93225 are set at the county level.
2026 Loan Limits — Kern County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 93225
To purchase the median home at $329,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,671.
Monthly Payment
$2,671
Income Required
$114,458
Principal & Interest
$2,027/mo
Down Payment (5%)
$16,450
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 93225.
Estimated Monthly Payment
$2,186
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 93225. Tell us what you're looking for.