95631 — Placer County, California Market Snapshot
Housing market data for zip code 95631 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$460,000
Days to Sell
40
Homes Sold
19
Inventory
37
Sale-to-List
97.0%
New Listings
43
Price/SqFt
$255
Pending Sales
28
Conforming Loan Available
Most homebuyers in 95631 can comfortably use conventional financing. The median home price of $460,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
95631's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 95631 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 95631 can comfortably use conventional financing. The median home price of $460,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95631 are set at the county level.
2026 Loan Limits — Placer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $764,750 |
| 2 Units | $1,066,250 | $979,000 |
| 3 Units | $1,288,800 | $1,183,400 |
| 4 Units | $1,601,750 | $1,470,700 |
Affordability Snapshot — Zip 95631
To purchase the median home at $460,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,674.
Monthly Payment
$3,674
Income Required
$157,473
Principal & Interest
$2,834/mo
Down Payment (5%)
$23,000
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 95631.
Estimated Monthly Payment
$2,997
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