95366 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95366 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$737,500
Days to Sell
21
Homes Sold
38
Inventory
30
Sale-to-List
99.3%
New Listings
61
Price/SqFt
$355
Pending Sales
47
Conforming Loan Available
The median home in 95366 at $737,500 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
Homes in 95366 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95366 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95366 at $737,500 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 95366 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 95366
To purchase the median home at $737,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,800.
Monthly Payment
$5,800
Income Required
$248,592
Principal & Interest
$4,544/mo
Down Payment (5%)
$36,875
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 95366.
Estimated Monthly Payment
$4,714
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