95501 — Humboldt County, California Market Snapshot
Housing market data for zip code 95501 in Humboldt County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$394,750
Days to Sell
19
Homes Sold
40
Inventory
33
Sale-to-List
97.2%
New Listings
49
Price/SqFt
$273
Pending Sales
33
Conforming Loan Available
Most homebuyers in 95501 can comfortably use conventional financing. The median home price of $394,750 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
Homes in 95501 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 95501 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 95501 can comfortably use conventional financing. The median home price of $394,750 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 95501 are set at the county level.
2026 Loan Limits — Humboldt 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 95501
To purchase the median home at $394,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,174.
Monthly Payment
$3,174
Income Required
$136,048
Principal & Interest
$2,432/mo
Down Payment (5%)
$19,738
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 95501.
Estimated Monthly Payment
$2,593
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