95341 — Merced County, California Market Snapshot
Housing market data for zip code 95341 in Merced County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$390,018
Days to Sell
39
Homes Sold
80
Inventory
51
Sale-to-List
100.4%
New Listings
91
Price/SqFt
$249
Pending Sales
89
Conforming Loan Available
Most homebuyers in 95341 can comfortably use conventional financing. The median home price of $390,018 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
95341's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 95341 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95341 can comfortably use conventional financing. The median home price of $390,018 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 95341 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 95341
To purchase the median home at $390,018 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,494
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,501
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 95341.
Estimated Monthly Payment
$2,564
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95341. Tell us what you're looking for.