95765 — Placer County, California Market Snapshot
Housing market data for zip code 95765 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$730,000
Days to Sell
19
Homes Sold
129
Inventory
96
Sale-to-List
100.2%
New Listings
170
Price/SqFt
$329
Pending Sales
159
Conforming Loan Available
The median home in 95765 at $730,000 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
Homes in 95765 are moving quickly at 19 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 95765 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95765 at $730,000 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 95765 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 95765
To purchase the median home at $730,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,743.
Monthly Payment
$5,743
Income Required
$246,130
Principal & Interest
$4,498/mo
Down Payment (5%)
$36,500
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 95765.
Estimated Monthly Payment
$4,668
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