96145 — Placer County, California Market Snapshot
Housing market data for zip code 96145 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$1,432,500
Days to Sell
51
Homes Sold
14
Inventory
24
Sale-to-List
96.1%
New Listings
28
Price/SqFt
$796
Pending Sales
17
Jumbo Loan Likely Needed
The median home in 96145 at $1,432,500 exceeds the 2026 conforming loan limit of $832,750 by $599,750. 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
96145's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 96145 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96145 at $1,432,500 exceeds the 2026 conforming loan limit of $832,750 by $599,750. 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 96145 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 96145
To purchase the median home at $1,432,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,125.
Monthly Payment
$11,125
Income Required
$476,801
Principal & Interest
$8,827/mo
Down Payment (5%)
$71,625
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 96145.
Estimated Monthly Payment
$9,015
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 96145.
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