95324 — Merced County, California Market Snapshot
Housing market data for zip code 95324 in Merced County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$542,500
Days to Sell
60
Homes Sold
14
Inventory
2
Sale-to-List
98.5%
New Listings
8
Price/SqFt
$302
Pending Sales
13
Conforming Loan Available
Most homebuyers in 95324 can comfortably use conventional financing. The median home price of $542,500 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 60 days on average, 95324 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 95324 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95324 can comfortably use conventional financing. The median home price of $542,500 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 95324 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 95324
To purchase the median home at $542,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,306.
Monthly Payment
$4,306
Income Required
$184,563
Principal & Interest
$3,343/mo
Down Payment (5%)
$27,125
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 95324.
Estimated Monthly Payment
$3,507
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