95842 — Sacramento County, California Market Snapshot
Housing market data for zip code 95842 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$437,500
Days to Sell
12
Homes Sold
54
Inventory
30
Sale-to-List
100.5%
New Listings
63
Price/SqFt
$344
Pending Sales
52
Conforming Loan Available
Most homebuyers in 95842 can comfortably use conventional financing. The median home price of $437,500 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
95842 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95842 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95842 can comfortably use conventional financing. The median home price of $437,500 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 95842 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 95842
To purchase the median home at $437,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,502.
Monthly Payment
$3,502
Income Required
$150,085
Principal & Interest
$2,696/mo
Down Payment (5%)
$21,875
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 95842.
Estimated Monthly Payment
$2,858
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