93631 — Fresno County, California Market Snapshot
Housing market data for zip code 93631 in Fresno County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$489,500
Days to Sell
50
Homes Sold
26
Inventory
34
Sale-to-List
98.6%
New Listings
41
Price/SqFt
$282
Pending Sales
31
Conforming Loan Available
Most homebuyers in 93631 can comfortably use conventional financing. The median home price of $489,500 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
93631's market is balanced with homes taking an average of 50 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 93631 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93631 can comfortably use conventional financing. The median home price of $489,500 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 93631 are set at the county level.
2026 Loan Limits — Fresno County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 93631
To purchase the median home at $489,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,900.
Monthly Payment
$3,900
Income Required
$167,160
Principal & Interest
$3,016/mo
Down Payment (5%)
$24,475
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 93631.
Estimated Monthly Payment
$3,179
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