95623 — El Dorado County, California Market Snapshot
Housing market data for zip code 95623 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$669,500
Days to Sell
61
Homes Sold
14
Inventory
17
Sale-to-List
99.5%
New Listings
18
Price/SqFt
$352
Pending Sales
17
Conforming Loan Available
The median home in 95623 at $669,500 falls within the 2026 conforming loan limit of $832,750, 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
With homes sitting for 61 days on average, 95623 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 95623 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95623 at $669,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 95623 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 95623
To purchase the median home at $669,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,280.
Monthly Payment
$5,280
Income Required
$226,264
Principal & Interest
$4,125/mo
Down Payment (5%)
$33,475
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 95623.
Estimated Monthly Payment
$4,293
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