93422 — San Luis Obispo County, California Market Snapshot
Housing market data for zip code 93422 in San Luis Obispo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
65 sales in 2026 (year to date)
Median Sale Price
$850,000
Days to Sell
27
Homes Sold
65
Inventory
46
Sale-to-List
99.9%
New Listings
86
Price/SqFt
$470
Pending Sales
74
Conforming Loan Available
The median home in 93422 at $850,000 falls within the 2026 conforming loan limit of $1,000,500, 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 93422 are moving quickly at 27 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 93422 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93422 at $850,000 falls within the 2026 conforming loan limit of $1,000,500, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 93422 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 93422
To purchase the median home at $850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,662.
Monthly Payment
$6,662
Income Required
$285,533
Principal & Interest
$5,237/mo
Down Payment (5%)
$42,500
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 93422.
Estimated Monthly Payment
$5,410
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 93422. Tell us what you're looking for.