93505 — Kern County, California Market Snapshot
Housing market data for zip code 93505 in Kern County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$300,000
Days to Sell
81
Homes Sold
64
Inventory
120
Sale-to-List
98.7%
New Listings
101
Price/SqFt
$192
Pending Sales
89
Conforming Loan Available
Most homebuyers in 93505 can comfortably use conventional financing. The median home price of $300,000 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
With homes sitting for 81 days on average, 93505 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 93505 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93505 can comfortably use conventional financing. The median home price of $300,000 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 93505 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 93505
To purchase the median home at $300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,449.
Monthly Payment
$2,449
Income Required
$104,936
Principal & Interest
$1,849/mo
Down Payment (5%)
$15,000
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 93505.
Estimated Monthly Payment
$2,007
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