95614 — El Dorado County, California Market Snapshot
Housing market data for zip code 95614 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$575,000
Days to Sell
72
Homes Sold
17
Inventory
32
Sale-to-List
98.5%
New Listings
38
Price/SqFt
$283
Pending Sales
28
Conforming Loan Available
Most homebuyers in 95614 can comfortably use conventional financing. The median home price of $575,000 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
With homes sitting for 72 days on average, 95614 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 95614 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95614 can comfortably use conventional financing. The median home price of $575,000 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 95614 are set at the county level.
2026 Loan Limits — El Dorado County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $764,750 |
| 2 Units | $1,066,250 | $979,000 |
| 3 Units | $1,288,800 | $1,183,400 |
| 4 Units | $1,601,750 | $1,470,700 |
Affordability Snapshot — Zip 95614
To purchase the median home at $575,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,555.
Monthly Payment
$4,555
Income Required
$195,234
Principal & Interest
$3,543/mo
Down Payment (5%)
$28,750
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 95614.
Estimated Monthly Payment
$3,709
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