95039 — Monterey County, California Market Snapshot
Housing market data for zip code 95039 in Monterey County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home 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
1 sales in 2026 (year to date)
Median Sale Price
$1,030,000
Days to Sell
34
Homes Sold
1
Inventory
4
Jumbo Loan Likely Needed
The median home in 95039 at $1,030,000 exceeds the 2026 conforming loan limit of $994,750 by $35,250. 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
95039's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 95039 at $1,030,000 exceeds the 2026 conforming loan limit of $994,750 by $35,250. 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 95039 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 95039
To purchase the median home at $1,030,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,042.
Monthly Payment
$8,042
Income Required
$344,637
Principal & Interest
$6,347/mo
Down Payment (5%)
$51,500
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 95039.
Estimated Monthly Payment
$6,524
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95039. Tell us what you're looking for.