95982 — Sutter County, California Market Snapshot
Housing market data for zip code 95982 in Sutter County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Sutter County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$495,000
Days to Sell
40
Homes Sold
9
Inventory
7
Conforming Loan Available
Most homebuyers in 95982 can comfortably use conventional financing. The median home price of $495,000 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
95982's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 95982 can comfortably use conventional financing. The median home price of $495,000 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 95982 are set at the county level.
2026 Loan Limits — Sutter County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 95982
To purchase the median home at $495,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,943.
Monthly Payment
$3,943
Income Required
$168,966
Principal & Interest
$3,050/mo
Down Payment (5%)
$24,750
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 95982.
Estimated Monthly Payment
$3,213
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