93636 — Madera County, California Market Snapshot
Housing market data for zip code 93636 in Madera County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
87 sales in 2026 (year to date)
Median Sale Price
$517,500
Days to Sell
61
Homes Sold
87
Inventory
132
Sale-to-List
99.3%
New Listings
103
Price/SqFt
$257
Pending Sales
107
Conforming Loan Available
Most homebuyers in 93636 can comfortably use conventional financing. The median home price of $517,500 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
With homes sitting for 61 days on average, 93636 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 93636 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93636 can comfortably use conventional financing. The median home price of $517,500 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 93636 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 93636
To purchase the median home at $517,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,115.
Monthly Payment
$4,115
Income Required
$176,354
Principal & Interest
$3,189/mo
Down Payment (5%)
$25,875
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 93636.
Estimated Monthly Payment
$3,353
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