95630 — El Dorado County, California Market Snapshot
Housing market data for zip code 95630 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
225 sales in 2026 (year to date)
Median Sale Price
$755,000
Days to Sell
12
Homes Sold
225
Inventory
129
Sale-to-List
99.9%
New Listings
296
Price/SqFt
$385
Pending Sales
243
Conforming Loan Available
The median home in 95630 at $755,000 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
95630 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95630 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95630 at $755,000 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 95630 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 95630
To purchase the median home at $755,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,935.
Monthly Payment
$5,935
Income Required
$254,339
Principal & Interest
$4,652/mo
Down Payment (5%)
$37,750
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 95630.
Estimated Monthly Payment
$4,823
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