95004 — Monterey County, California Market Snapshot
Housing market data for zip code 95004 in Monterey County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 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
3 sales in 2026 (year to date)
Median Sale Price
$1,065,000
Days to Sell
35
Homes Sold
3
Inventory
7
Jumbo Loan Likely Needed
The median home in 95004 at $1,065,000 exceeds the 2026 conforming loan limit of $994,750 by $70,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
95004's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 95004 at $1,065,000 exceeds the 2026 conforming loan limit of $994,750 by $70,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 95004 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 95004
To purchase the median home at $1,065,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,310.
Monthly Payment
$8,310
Income Required
$356,130
Principal & Interest
$6,562/mo
Down Payment (5%)
$53,250
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 95004.
Estimated Monthly Payment
$6,741
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