93610 — Merced County, California Market Snapshot
Housing market data for zip code 93610 in Merced County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$377,000
Days to Sell
52
Homes Sold
34
Inventory
54
Sale-to-List
97.3%
New Listings
56
Price/SqFt
$247
Pending Sales
42
Conforming Loan Available
Most homebuyers in 93610 can comfortably use conventional financing. The median home price of $377,000 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
93610's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 93610 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 93610 can comfortably use conventional financing. The median home price of $377,000 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 93610 are set at the county level.
2026 Loan Limits — Merced 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 93610
To purchase the median home at $377,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,038.
Monthly Payment
$3,038
Income Required
$130,219
Principal & Interest
$2,323/mo
Down Payment (5%)
$18,850
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 93610.
Estimated Monthly Payment
$2,483
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 93610. Tell us what you're looking for.