95350 — Stanislaus County, California Market Snapshot
Housing market data for zip code 95350 in Stanislaus County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$441,500
Days to Sell
15
Homes Sold
94
Inventory
47
Sale-to-List
99.8%
New Listings
119
Price/SqFt
$301
Pending Sales
113
Conforming Loan Available
Most homebuyers in 95350 can comfortably use conventional financing. The median home price of $441,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 95350 are moving quickly at 15 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 95350 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95350 can comfortably use conventional financing. The median home price of $441,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95350 are set at the county level.
2026 Loan Limits — Stanislaus County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $545,100 |
| 2 Units | $1,066,250 | $697,800 |
| 3 Units | $1,288,800 | $843,500 |
| 4 Units | $1,601,750 | $1,048,300 |
Affordability Snapshot — Zip 95350
To purchase the median home at $441,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,533.
Monthly Payment
$3,533
Income Required
$151,398
Principal & Interest
$2,720/mo
Down Payment (5%)
$22,075
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 95350.
Estimated Monthly Payment
$2,882
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