95377 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95377 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$743,500
Days to Sell
40
Homes Sold
79
Inventory
81
Sale-to-List
100.8%
New Listings
108
Price/SqFt
$332
Pending Sales
76
Conforming Loan Available
The median home in 95377 at $743,500 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
95377's market is balanced with homes taking an average of 40 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 95377 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95377 at $743,500 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 95377 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 95377
To purchase the median home at $743,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,846.
Monthly Payment
$5,846
Income Required
$250,563
Principal & Interest
$4,581/mo
Down Payment (5%)
$37,175
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 95377.
Estimated Monthly Payment
$4,751
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