95746 — Placer County, California Market Snapshot
Housing market data for zip code 95746 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$1,282,500
Days to Sell
30
Homes Sold
76
Inventory
64
Sale-to-List
99.4%
New Listings
105
Price/SqFt
$438
Pending Sales
94
Jumbo Loan Likely Needed
The median home in 95746 at $1,282,500 exceeds the 2026 conforming loan limit of $832,750 by $449,750. 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
95746's market is balanced with homes taking an average of 30 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 95746 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95746 at $1,282,500 exceeds the 2026 conforming loan limit of $832,750 by $449,750. 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 95746 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 95746
To purchase the median home at $1,282,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,976.
Monthly Payment
$9,976
Income Required
$427,548
Principal & Interest
$7,902/mo
Down Payment (5%)
$64,125
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 95746.
Estimated Monthly Payment
$8,087
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 95746.
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