96130 — Lassen County, California Market Snapshot
Housing market data for zip code 96130 in Lassen County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$216,000
Days to Sell
77
Homes Sold
57
Inventory
82
Sale-to-List
96.0%
New Listings
91
Price/SqFt
$177
Pending Sales
62
Conforming Loan Available
Most homebuyers in 96130 can comfortably use conventional financing. The median home price of $216,000 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 77 days on average, 96130 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
The average home in 96130 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96130 can comfortably use conventional financing. The median home price of $216,000 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 96130 are set at the county level.
2026 Loan Limits — Lassen 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 96130
To purchase the median home at $216,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,805.
Monthly Payment
$1,805
Income Required
$77,354
Principal & Interest
$1,331/mo
Down Payment (5%)
$10,800
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 96130.
Estimated Monthly Payment
$1,487
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