93635 — Merced County, California Market Snapshot
Housing market data for zip code 93635 in Merced County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
96 sales in 2026 (year to date)
Median Sale Price
$445,000
Days to Sell
29
Homes Sold
96
Inventory
93
Sale-to-List
99.9%
New Listings
129
Price/SqFt
$277
Pending Sales
119
Conforming Loan Available
Most homebuyers in 93635 can comfortably use conventional financing. The median home price of $445,000 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
Homes in 93635 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 93635 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93635 can comfortably use conventional financing. The median home price of $445,000 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 93635 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 93635
To purchase the median home at $445,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,559.
Monthly Payment
$3,559
Income Required
$152,548
Principal & Interest
$2,742/mo
Down Payment (5%)
$22,250
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 93635.
Estimated Monthly Payment
$2,904
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