93003 — Ventura County, California Market Snapshot
Housing market data for zip code 93003 in Ventura County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
90 sales in 2026 (year to date)
Median Sale Price
$905,000
Days to Sell
43
Homes Sold
90
Inventory
90
Sale-to-List
99.1%
New Listings
127
Price/SqFt
$553
Pending Sales
119
Conforming Loan Available
The median home in 93003 at $905,000 falls within the 2026 conforming loan limit of $1,035,000, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
93003's market is balanced with homes taking an average of 43 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 93003 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93003 at $905,000 falls within the 2026 conforming loan limit of $1,035,000, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 93003 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 93003
To purchase the median home at $905,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,084.
Monthly Payment
$7,084
Income Required
$303,592
Principal & Interest
$5,576/mo
Down Payment (5%)
$45,250
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 93003.
Estimated Monthly Payment
$5,751
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