95677 — Placer County, California Market Snapshot
Housing market data for zip code 95677 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$652,500
Days to Sell
14
Homes Sold
64
Inventory
53
Sale-to-List
99.9%
New Listings
98
Price/SqFt
$357
Pending Sales
67
Conforming Loan Available
Most homebuyers in 95677 can comfortably use conventional financing. The median home price of $652,500 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
Homes in 95677 are moving quickly at 14 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 95677 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95677 can comfortably use conventional financing. The median home price of $652,500 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 95677 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 95677
To purchase the median home at $652,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,149.
Monthly Payment
$5,149
Income Required
$220,682
Principal & Interest
$4,021/mo
Down Payment (5%)
$32,625
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 95677.
Estimated Monthly Payment
$4,188
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