96146 — Placer County, California Market Snapshot
Housing market data for zip code 96146 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$935,000
Days to Sell
69
Homes Sold
23
Inventory
41
Sale-to-List
96.8%
New Listings
31
Price/SqFt
$748
Pending Sales
23
Jumbo Loan Likely Needed
The median home in 96146 at $935,000 exceeds the 2026 conforming loan limit of $832,750 by $102,250. 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
With homes sitting for 69 days on average, 96146 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 96146 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96146 at $935,000 exceeds the 2026 conforming loan limit of $832,750 by $102,250. 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 96146 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 96146
To purchase the median home at $935,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,314.
Monthly Payment
$7,314
Income Required
$313,443
Principal & Interest
$5,761/mo
Down Payment (5%)
$46,750
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 96146.
Estimated Monthly Payment
$5,937
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