93901 — Monterey County, California Market Snapshot
Housing market data for zip code 93901 in Monterey County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Monterey County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$465,000
Days to Sell
15
Homes Sold
5
Inventory
6
Conforming Loan Available
Most homebuyers in 93901 can comfortably use conventional financing. The median home price of $465,000 is well below the 2026 conforming loan limit of $994,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 93901 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 93901 can comfortably use conventional financing. The median home price of $465,000 is well below the 2026 conforming loan limit of $994,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 93901 are set at the county level.
2026 Loan Limits — Monterey County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $994,750 | $994,750 |
| 2 Units | $1,273,450 | $1,273,450 |
| 3 Units | $1,539,350 | $1,539,350 |
| 4 Units | $1,913,000 | $1,913,000 |
Affordability Snapshot — Zip 93901
To purchase the median home at $465,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,713.
Monthly Payment
$3,713
Income Required
$159,115
Principal & Interest
$2,865/mo
Down Payment (5%)
$23,250
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 93901.
Estimated Monthly Payment
$3,028
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