95334 — Merced County, California Market Snapshot
Housing market data for zip code 95334 in Merced County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$407,500
Days to Sell
25
Homes Sold
12
Inventory
21
Sale-to-List
97.3%
New Listings
25
Price/SqFt
$288
Pending Sales
14
Conforming Loan Available
Most homebuyers in 95334 can comfortably use conventional financing. The median home price of $407,500 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
Homes in 95334 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 95334 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 95334 can comfortably use conventional financing. The median home price of $407,500 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 95334 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 95334
To purchase the median home at $407,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,272.
Monthly Payment
$3,272
Income Required
$140,235
Principal & Interest
$2,511/mo
Down Payment (5%)
$20,375
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 95334.
Estimated Monthly Payment
$2,672
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