95628 — Sacramento County, California Market Snapshot
Housing market data for zip code 95628 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
131 sales in 2026 (year to date)
Median Sale Price
$679,000
Days to Sell
15
Homes Sold
131
Inventory
95
Sale-to-List
99.9%
New Listings
188
Price/SqFt
$335
Pending Sales
152
Conforming Loan Available
The median home in 95628 at $679,000 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 95628 are moving quickly at 15 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 95628 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95628 at $679,000 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 95628 are set at the county level.
2026 Loan Limits — Sacramento 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 95628
To purchase the median home at $679,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,352.
Monthly Payment
$5,352
Income Required
$229,383
Principal & Interest
$4,184/mo
Down Payment (5%)
$33,950
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 95628.
Estimated Monthly Payment
$4,352
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