95045 — San Benito County, California Market Snapshot
Housing market data for zip code 95045 in San Benito County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the San Benito County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$1,257,750
Days to Sell
47
Homes Sold
8
Inventory
12
Jumbo Loan Likely Needed
The median home in 95045 at $1,257,750 exceeds the 2026 conforming loan limit of $1,249,125 by $8,625. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
95045's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 95045 at $1,257,750 exceeds the 2026 conforming loan limit of $1,249,125 by $8,625. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 95045 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 95045
To purchase the median home at $1,257,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,786.
Monthly Payment
$9,786
Income Required
$419,421
Principal & Interest
$7,750/mo
Down Payment (5%)
$62,888
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 95045.
Estimated Monthly Payment
$7,934
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