95946 — Nevada County, California Market Snapshot
Housing market data for zip code 95946 in Nevada 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 Nevada County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$750,000
Days to Sell
4
Homes Sold
1
Inventory
1
Conforming Loan Available
The median home in 95946 at $750,000 falls within the 2026 conforming loan limit of $832,750, 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
95946 is an extremely competitive market with homes selling in just 4 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 95946 at $750,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 95946 are set at the county level.
2026 Loan Limits — Nevada County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $649,750 |
| 2 Units | $1,066,250 | $831,800 |
| 3 Units | $1,288,800 | $1,005,450 |
| 4 Units | $1,601,750 | $1,249,550 |
Affordability Snapshot — Zip 95946
To purchase the median home at $750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,896.
Monthly Payment
$5,896
Income Required
$252,697
Principal & Interest
$4,621/mo
Down Payment (5%)
$37,500
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 95946.
Estimated Monthly Payment
$4,792
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