95388 — Merced County, California Market Snapshot
Housing market data for zip code 95388 in Merced County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$379,000
Days to Sell
11
Homes Sold
15
Inventory
9
Sale-to-List
100.6%
New Listings
12
Price/SqFt
$272
Pending Sales
12
Conforming Loan Available
Most homebuyers in 95388 can comfortably use conventional financing. The median home price of $379,000 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
95388 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95388 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95388 can comfortably use conventional financing. The median home price of $379,000 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 95388 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 95388
To purchase the median home at $379,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,054.
Monthly Payment
$3,054
Income Required
$130,876
Principal & Interest
$2,335/mo
Down Payment (5%)
$18,950
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 95388.
Estimated Monthly Payment
$2,496
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