93312 — Kern County, California Market Snapshot
Housing market data for zip code 93312 in Kern County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
159 sales in 2026 (year to date)
Median Sale Price
$449,000
Days to Sell
33
Homes Sold
159
Inventory
109
Sale-to-List
99.7%
New Listings
200
Price/SqFt
$247
Pending Sales
185
Conforming Loan Available
Most homebuyers in 93312 can comfortably use conventional financing. The median home price of $449,000 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
93312's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 93312 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93312 can comfortably use conventional financing. The median home price of $449,000 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 93312 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 93312
To purchase the median home at $449,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,590.
Monthly Payment
$3,590
Income Required
$153,861
Principal & Interest
$2,767/mo
Down Payment (5%)
$22,450
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 93312.
Estimated Monthly Payment
$2,929
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