95632 — Sacramento County, California Market Snapshot
Housing market data for zip code 95632 in Sacramento 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
$539,250
Days to Sell
43
Homes Sold
76
Inventory
66
Sale-to-List
99.3%
New Listings
93
Price/SqFt
$311
Pending Sales
88
Conforming Loan Available
Most homebuyers in 95632 can comfortably use conventional financing. The median home price of $539,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
95632's market is balanced with homes taking an average of 43 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 95632 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95632 can comfortably use conventional financing. The median home price of $539,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95632 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 95632
To purchase the median home at $539,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,282.
Monthly Payment
$4,282
Income Required
$183,496
Principal & Interest
$3,323/mo
Down Payment (5%)
$26,963
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 95632.
Estimated Monthly Payment
$3,487
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