95376 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95376 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$595,000
Days to Sell
24
Homes Sold
92
Inventory
83
Sale-to-List
99.2%
New Listings
144
Price/SqFt
$362
Pending Sales
105
Conforming Loan Available
Most homebuyers in 95376 can comfortably use conventional financing. The median home price of $595,000 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
Homes in 95376 are moving quickly at 24 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 95376 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95376 can comfortably use conventional financing. The median home price of $595,000 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 95376 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 95376
To purchase the median home at $595,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,709.
Monthly Payment
$4,709
Income Required
$201,801
Principal & Interest
$3,666/mo
Down Payment (5%)
$29,750
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 95376.
Estimated Monthly Payment
$3,832
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