95816 — Sacramento County, California Market Snapshot
Housing market data for zip code 95816 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$725,000
Days to Sell
23
Homes Sold
40
Inventory
35
Sale-to-List
98.4%
New Listings
43
Price/SqFt
$482
Pending Sales
43
Conforming Loan Available
The median home in 95816 at $725,000 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 95816 are moving quickly at 23 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 95816 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95816 at $725,000 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 95816 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 95816
To purchase the median home at $725,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,705.
Monthly Payment
$5,705
Income Required
$244,488
Principal & Interest
$4,467/mo
Down Payment (5%)
$36,250
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 95816.
Estimated Monthly Payment
$4,637
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95816. Tell us what you're looking for.