95959 — Nevada County, California Market Snapshot
Housing market data for zip code 95959 in Nevada County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$740,000
Days to Sell
12
Homes Sold
49
Inventory
77
Sale-to-List
99.8%
New Listings
114
Price/SqFt
$363
Pending Sales
78
Conforming Loan Available
The median home in 95959 at $740,000 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
95959 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95959 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95959 at $740,000 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 95959 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 95959
To purchase the median home at $740,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,820.
Monthly Payment
$5,820
Income Required
$249,413
Principal & Interest
$4,560/mo
Down Payment (5%)
$37,000
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 95959.
Estimated Monthly Payment
$4,730
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