93245 — Kings County, California Market Snapshot
Housing market data for zip code 93245 in Kings County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$390,000
Days to Sell
21
Homes Sold
75
Inventory
41
Sale-to-List
99.5%
New Listings
80
Price/SqFt
$240
Pending Sales
82
Conforming Loan Available
Most homebuyers in 93245 can comfortably use conventional financing. The median home price of $390,000 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
Homes in 93245 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 93245 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93245 can comfortably use conventional financing. The median home price of $390,000 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 93245 are set at the county level.
2026 Loan Limits — Kings 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 93245
To purchase the median home at $390,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,488
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,500
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 93245.
Estimated Monthly Payment
$2,564
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