95658 — Placer County, California Market Snapshot
Housing market data for zip code 95658 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$1,175,000
Days to Sell
18
Homes Sold
21
Inventory
18
Sale-to-List
99.0%
New Listings
31
Price/SqFt
$445
Pending Sales
22
Jumbo Loan Likely Needed
The median home in 95658 at $1,175,000 exceeds the 2026 conforming loan limit of $832,750 by $342,250. 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
Homes in 95658 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95658 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95658 at $1,175,000 exceeds the 2026 conforming loan limit of $832,750 by $342,250. 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 95658 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 95658
To purchase the median home at $1,175,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,152.
Monthly Payment
$9,152
Income Required
$392,249
Principal & Interest
$7,240/mo
Down Payment (5%)
$58,750
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 95658.
Estimated Monthly Payment
$7,422
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 95658.
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