93602 — Madera County, California Market Snapshot
Housing market data for zip code 93602 in Madera County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$408,000
Days to Sell
167
Homes Sold
11
Inventory
17
Sale-to-List
98.3%
New Listings
15
Price/SqFt
$240
Pending Sales
10
Conforming Loan Available
Most homebuyers in 93602 can comfortably use conventional financing. The median home price of $408,000 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
With homes sitting for 167 days on average, 93602 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 93602 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93602 can comfortably use conventional financing. The median home price of $408,000 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 93602 are set at the county level.
2026 Loan Limits — Madera 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 93602
To purchase the median home at $408,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,276.
Monthly Payment
$3,276
Income Required
$140,399
Principal & Interest
$2,514/mo
Down Payment (5%)
$20,400
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 93602.
Estimated Monthly Payment
$2,675
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