95722 — Placer County, California Market Snapshot
Housing market data for zip code 95722 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$740,000
Days to Sell
37
Homes Sold
25
Inventory
20
Sale-to-List
98.5%
New Listings
31
Price/SqFt
$357
Pending Sales
28
Conforming Loan Available
The median home in 95722 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
95722's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 95722 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95722 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 95722 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 95722
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 95722.
Estimated Monthly Payment
$4,730
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