95519 — Humboldt County, California Market Snapshot
Housing market data for zip code 95519 in Humboldt County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$455,000
Days to Sell
25
Homes Sold
29
Inventory
37
Sale-to-List
94.6%
New Listings
56
Price/SqFt
$319
Pending Sales
36
Conforming Loan Available
Most homebuyers in 95519 can comfortably use conventional financing. The median home price of $455,000 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 95519 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 95519 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 95519 can comfortably use conventional financing. The median home price of $455,000 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 95519 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 95519
To purchase the median home at $455,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,636.
Monthly Payment
$3,636
Income Required
$155,832
Principal & Interest
$2,804/mo
Down Payment (5%)
$22,750
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 95519.
Estimated Monthly Payment
$2,966
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