95864 — Sacramento County, California Market Snapshot
Housing market data for zip code 95864 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$798,500
Days to Sell
13
Homes Sold
78
Inventory
61
Sale-to-List
99.3%
New Listings
111
Price/SqFt
$400
Pending Sales
88
Conforming Loan Available
The median home in 95864 at $798,500 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
95864 is an extremely competitive market with homes selling in just 13 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 95864 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95864 at $798,500 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 95864 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 95864
To purchase the median home at $798,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,268.
Monthly Payment
$6,268
Income Required
$268,622
Principal & Interest
$4,920/mo
Down Payment (5%)
$39,925
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 95864.
Estimated Monthly Payment
$5,092
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