96142 — Placer County, California Market Snapshot
Housing market data for zip code 96142 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,070,000
Days to Sell
49
Homes Sold
12
Inventory
33
Sale-to-List
98.0%
New Listings
34
Price/SqFt
$738
Pending Sales
17
Jumbo Loan Likely Needed
The median home in 96142 at $1,070,000 exceeds the 2026 conforming loan limit of $832,750 by $237,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
96142's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 96142 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96142 at $1,070,000 exceeds the 2026 conforming loan limit of $832,750 by $237,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 96142 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 96142
To purchase the median home at $1,070,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,348.
Monthly Payment
$8,348
Income Required
$357,771
Principal & Interest
$6,593/mo
Down Payment (5%)
$53,500
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 96142.
Estimated Monthly Payment
$6,772
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 96142.
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