93314 — Kern County, California Market Snapshot
Housing market data for zip code 93314 in Kern County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$555,000
Days to Sell
39
Homes Sold
112
Inventory
117
Sale-to-List
99.0%
New Listings
170
Price/SqFt
$254
Pending Sales
152
Conforming Loan Available
Most homebuyers in 93314 can comfortably use conventional financing. The median home price of $555,000 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
93314's market is balanced with homes taking an average of 39 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 93314 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93314 can comfortably use conventional financing. The median home price of $555,000 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 93314 are set at the county level.
2026 Loan Limits — Kern 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 93314
To purchase the median home at $555,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,402.
Monthly Payment
$4,402
Income Required
$188,667
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,750
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 93314.
Estimated Monthly Payment
$3,585
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