93210 — San Benito County, California Market Snapshot
Housing market data for zip code 93210 in San Benito County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$318,000
Days to Sell
76
Homes Sold
23
Inventory
28
Sale-to-List
98.7%
New Listings
36
Price/SqFt
$222
Pending Sales
31
Conforming Loan Available
Most homebuyers in 93210 can comfortably use conventional financing. The median home price of $318,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 76 days on average, 93210 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 93210 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93210 can comfortably use conventional financing. The median home price of $318,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 93210 are set at the county level.
2026 Loan Limits — San Benito County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 93210
To purchase the median home at $318,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,586.
Monthly Payment
$2,586
Income Required
$110,846
Principal & Interest
$1,959/mo
Down Payment (5%)
$15,900
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 93210.
Estimated Monthly Payment
$2,118
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