95317 — Merced County, California Market Snapshot
Housing market data for zip code 95317 in Merced County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Merced County county page for broader data.
Market Sales Data
1 sales in 2022
Median Sale Price
$3,800,000
Days to Sell
24
Homes Sold
1
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 95317 at $3,800,000 exceeds the 2026 conforming loan limit of $832,750 by $2,967,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 95317 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 95317 at $3,800,000 exceeds the 2026 conforming loan limit of $832,750 by $2,967,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 95317 are set at the county level.
2026 Loan Limits — Merced 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 95317
To purchase the median home at $3,800,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $29,264.
Monthly Payment
$29,264
Income Required
$1,254,188
Principal & Interest
$23,414/mo
Down Payment (5%)
$190,000
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 95317.
Estimated Monthly Payment
$23,667
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 95317.
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