95445 — Mendocino County, California Market Snapshot
Housing market data for zip code 95445 in Mendocino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$725,000
Days to Sell
107
Homes Sold
13
Inventory
26
Sale-to-List
96.9%
New Listings
24
Price/SqFt
$517
Pending Sales
14
Conforming Loan Available
The median home in 95445 at $725,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 107 days on average, 95445 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 95445 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 95445 at $725,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 95445 are set at the county level.
2026 Loan Limits — Mendocino County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $546,250 |
| 2 Units | $1,066,250 | $699,300 |
| 3 Units | $1,288,800 | $845,300 |
| 4 Units | $1,601,750 | $1,050,500 |
Affordability Snapshot — Zip 95445
To purchase the median home at $725,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,705.
Monthly Payment
$5,705
Income Required
$244,488
Principal & Interest
$4,467/mo
Down Payment (5%)
$36,250
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 95445.
Estimated Monthly Payment
$4,637
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