93405 — San Luis Obispo County, California Market Snapshot
Housing market data for zip code 93405 in San Luis Obispo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$1,270,000
Days to Sell
19
Homes Sold
30
Inventory
28
Sale-to-List
100.2%
New Listings
50
Price/SqFt
$727
Pending Sales
38
Jumbo Loan Likely Needed
The median home in 93405 at $1,270,000 exceeds the 2026 conforming loan limit of $1,000,500 by $269,500. 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
Homes in 93405 are moving quickly at 19 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 93405 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93405 at $1,270,000 exceeds the 2026 conforming loan limit of $1,000,500 by $269,500. 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 93405 are set at the county level.
2026 Loan Limits — San Luis Obispo County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,000,500 | $1,000,500 |
| 2 Units | $1,280,850 | $1,280,850 |
| 3 Units | $1,548,250 | $1,548,250 |
| 4 Units | $1,924,100 | $1,924,100 |
Affordability Snapshot — Zip 93405
To purchase the median home at $1,270,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,880.
Monthly Payment
$9,880
Income Required
$423,443
Principal & Interest
$7,825/mo
Down Payment (5%)
$63,500
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 93405.
Estimated Monthly Payment
$8,010
Jumbo loan required. Loan amount exceeds the $1,000,500 conforming limit for 93405.
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