95368 — Stanislaus County, California Market Snapshot
Housing market data for zip code 95368 in Stanislaus County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$482,000
Days to Sell
11
Homes Sold
20
Inventory
16
Sale-to-List
100.2%
New Listings
36
Price/SqFt
$313
Pending Sales
31
Conforming Loan Available
Most homebuyers in 95368 can comfortably use conventional financing. The median home price of $482,000 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
95368 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95368 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95368 can comfortably use conventional financing. The median home price of $482,000 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 95368 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 95368
To purchase the median home at $482,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,843.
Monthly Payment
$3,843
Income Required
$164,697
Principal & Interest
$2,970/mo
Down Payment (5%)
$24,100
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 95368.
Estimated Monthly Payment
$3,133
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