95212 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95212 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$557,359
Days to Sell
37
Homes Sold
67
Inventory
44
Sale-to-List
99.8%
New Listings
105
Price/SqFt
$296
Pending Sales
88
Conforming Loan Available
Most homebuyers in 95212 can comfortably use conventional financing. The median home price of $557,359 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
95212's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 95212 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95212 can comfortably use conventional financing. The median home price of $557,359 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 95212 are set at the county level.
2026 Loan Limits — San Joaquin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $678,500 |
| 2 Units | $1,066,250 | $868,600 |
| 3 Units | $1,288,800 | $1,049,950 |
| 4 Units | $1,601,750 | $1,304,850 |
Affordability Snapshot — Zip 95212
To purchase the median home at $557,359 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,420.
Monthly Payment
$4,420
Income Required
$189,442
Principal & Interest
$3,434/mo
Down Payment (5%)
$27,868
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 95212.
Estimated Monthly Payment
$3,599
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