95634 — El Dorado County, California Market Snapshot
Housing market data for zip code 95634 in El Dorado County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the El Dorado County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$476,500
Days to Sell
51
Homes Sold
8
Inventory
12
Conforming Loan Available
Most homebuyers in 95634 can comfortably use conventional financing. The median home price of $476,500 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
95634's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 95634 can comfortably use conventional financing. The median home price of $476,500 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 95634 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 95634
To purchase the median home at $476,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,801.
Monthly Payment
$3,801
Income Required
$162,891
Principal & Interest
$2,936/mo
Down Payment (5%)
$23,825
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 95634.
Estimated Monthly Payment
$3,099
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