94954 — Sonoma County, California Market Snapshot
Housing market data for zip code 94954 in Sonoma County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$860,000
Days to Sell
24
Homes Sold
61
Inventory
32
Sale-to-List
102.8%
New Listings
80
Price/SqFt
$529
Pending Sales
73
Conforming Loan Available
The median home in 94954 at $860,000 falls within the 2026 conforming loan limit of $897,000, 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 94954 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 in 94954 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94954 at $860,000 falls within the 2026 conforming loan limit of $897,000, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 94954 are set at the county level.
2026 Loan Limits — Sonoma County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $897,000 | $897,000 |
| 2 Units | $1,148,350 | $1,148,350 |
| 3 Units | $1,388,050 | $1,388,050 |
| 4 Units | $1,725,050 | $1,725,050 |
Affordability Snapshot — Zip 94954
To purchase the median home at $860,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,739.
Monthly Payment
$6,739
Income Required
$288,816
Principal & Interest
$5,299/mo
Down Payment (5%)
$43,000
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 94954.
Estimated Monthly Payment
$5,472
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