95442 — Sonoma County, California Market Snapshot
Housing market data for zip code 95442 in Sonoma County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$1,257,500
Days to Sell
41
Homes Sold
14
Inventory
24
Sale-to-List
98.9%
New Listings
22
Price/SqFt
$734
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 95442 at $1,257,500 exceeds the 2026 conforming loan limit of $897,000 by $360,500. 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
95442's market is balanced with homes taking an average of 41 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 95442 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95442 at $1,257,500 exceeds the 2026 conforming loan limit of $897,000 by $360,500. 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 95442 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 95442
To purchase the median home at $1,257,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,785.
Monthly Payment
$9,785
Income Required
$419,339
Principal & Interest
$7,748/mo
Down Payment (5%)
$62,875
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 95442.
Estimated Monthly Payment
$7,932
Jumbo loan required. Loan amount exceeds the $897,000 conforming limit for 95442.
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