95360 — Stanislaus County, California Market Snapshot
Housing market data for zip code 95360 in Stanislaus County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$450,950
Days to Sell
75
Homes Sold
18
Inventory
35
Sale-to-List
98.3%
New Listings
34
Price/SqFt
$284
Pending Sales
30
Conforming Loan Available
Most homebuyers in 95360 can comfortably use conventional financing. The median home price of $450,950 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
With homes sitting for 75 days on average, 95360 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 95360 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95360 can comfortably use conventional financing. The median home price of $450,950 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 95360 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 95360
To purchase the median home at $450,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,605.
Monthly Payment
$3,605
Income Required
$154,502
Principal & Interest
$2,779/mo
Down Payment (5%)
$22,548
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 95360.
Estimated Monthly Payment
$2,941
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