93955 — Monterey County, California Market Snapshot
Housing market data for zip code 93955 in Monterey County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$862,000
Days to Sell
23
Homes Sold
32
Inventory
33
Sale-to-List
99.4%
New Listings
51
Price/SqFt
$683
Pending Sales
41
Conforming Loan Available
The median home in 93955 at $862,000 falls within the 2026 conforming loan limit of $994,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 93955 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 93955 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93955 at $862,000 falls within the 2026 conforming loan limit of $994,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 93955 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 93955
To purchase the median home at $862,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,754.
Monthly Payment
$6,754
Income Required
$289,473
Principal & Interest
$5,311/mo
Down Payment (5%)
$43,100
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 93955.
Estimated Monthly Payment
$5,485
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