91361 — Ventura County, California Market Snapshot
Housing market data for zip code 91361 in Ventura County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$1,900,000
Days to Sell
41
Homes Sold
58
Inventory
68
Sale-to-List
98.4%
New Listings
85
Price/SqFt
$767
Pending Sales
65
Jumbo Loan Likely Needed
The median home in 91361 at $1,900,000 exceeds the 2026 conforming loan limit of $1,035,000 by $865,000. 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
91361'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 91361 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 91361 at $1,900,000 exceeds the 2026 conforming loan limit of $1,035,000 by $865,000. 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 91361 are set at the county level.
2026 Loan Limits — Ventura County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,035,000 | $1,035,000 |
| 2 Units | $1,325,000 | $1,325,000 |
| 3 Units | $1,601,600 | $1,601,600 |
| 4 Units | $1,990,450 | $1,990,450 |
Affordability Snapshot — Zip 91361
To purchase the median home at $1,900,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,707.
Monthly Payment
$14,707
Income Required
$630,309
Principal & Interest
$11,707/mo
Down Payment (5%)
$95,000
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 91361.
Estimated Monthly Payment
$11,909
Jumbo loan required. Loan amount exceeds the $1,035,000 conforming limit for 91361.
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