95626 — Placer County, California Market Snapshot
Housing market data for zip code 95626 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
10
Homes Sold
13
Inventory
7
Sale-to-List
103.3%
New Listings
16
Price/SqFt
$394
Pending Sales
17
Conforming Loan Available
Most homebuyers in 95626 can comfortably use conventional financing. The median home price of $550,000 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
95626 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 95626 are selling 3.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 95626 can comfortably use conventional financing. The median home price of $550,000 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 95626 are set at the county level.
2026 Loan Limits — Placer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $764,750 |
| 2 Units | $1,066,250 | $979,000 |
| 3 Units | $1,288,800 | $1,183,400 |
| 4 Units | $1,601,750 | $1,470,700 |
Affordability Snapshot — Zip 95626
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 95626.
Estimated Monthly Payment
$3,554
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95626. Tell us what you're looking for.