93954 — Monterey County, California Market Snapshot
Housing market data for zip code 93954 in Monterey County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Monterey County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$245,000
Days to Sell
24
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 93954 can comfortably use conventional financing. The median home price of $245,000 is well below the 2026 conforming loan limit of $994,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 93954 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 93954 can comfortably use conventional financing. The median home price of $245,000 is well below the 2026 conforming loan limit of $994,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 93954 are set at the county level.
2026 Loan Limits — Monterey County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $994,750 | $994,750 |
| 2 Units | $1,273,450 | $1,273,450 |
| 3 Units | $1,539,350 | $1,539,350 |
| 4 Units | $1,913,000 | $1,913,000 |
Affordability Snapshot — Zip 93954
To purchase the median home at $245,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,027.
Monthly Payment
$2,027
Income Required
$86,876
Principal & Interest
$1,510/mo
Down Payment (5%)
$12,250
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 93954.
Estimated Monthly Payment
$1,666
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