95949 — Nevada County, California Market Snapshot
Housing market data for zip code 95949 in Nevada County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$555,000
Days to Sell
20
Homes Sold
83
Inventory
79
Sale-to-List
99.9%
New Listings
122
Price/SqFt
$288
Pending Sales
96
Conforming Loan Available
Most homebuyers in 95949 can comfortably use conventional financing. The median home price of $555,000 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 95949 are moving quickly at 20 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 95949 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95949 can comfortably use conventional financing. The median home price of $555,000 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 95949 are set at the county level.
2026 Loan Limits — Nevada County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $649,750 |
| 2 Units | $1,066,250 | $831,800 |
| 3 Units | $1,288,800 | $1,005,450 |
| 4 Units | $1,601,750 | $1,249,550 |
Affordability Snapshot — Zip 95949
To purchase the median home at $555,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,402.
Monthly Payment
$4,402
Income Required
$188,667
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,750
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 95949.
Estimated Monthly Payment
$3,585
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