95832 — Sacramento County, California Market Snapshot
Housing market data for zip code 95832 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$549,132
Days to Sell
23
Homes Sold
22
Inventory
24
Sale-to-List
101.2%
New Listings
41
Price/SqFt
$293
Pending Sales
35
Conforming Loan Available
Most homebuyers in 95832 can comfortably use conventional financing. The median home price of $549,132 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
Homes in 95832 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 95832 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95832 can comfortably use conventional financing. The median home price of $549,132 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 95832 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 95832
To purchase the median home at $549,132 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,357.
Monthly Payment
$4,357
Income Required
$186,740
Principal & Interest
$3,384/mo
Down Payment (5%)
$27,457
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 95832.
Estimated Monthly Payment
$3,548
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