96143 — Placer County, California Market Snapshot
Housing market data for zip code 96143 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$905,000
Days to Sell
44
Homes Sold
11
Inventory
17
Sale-to-List
92.6%
New Listings
19
Price/SqFt
$657
Pending Sales
9
Jumbo Loan Likely Needed
The median home in 96143 at $905,000 exceeds the 2026 conforming loan limit of $832,750 by $72,250. 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
96143's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 96143 sells for 7.4% below asking price (92.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96143 at $905,000 exceeds the 2026 conforming loan limit of $832,750 by $72,250. 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 96143 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 96143
To purchase the median home at $905,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,084.
Monthly Payment
$7,084
Income Required
$303,592
Principal & Interest
$5,576/mo
Down Payment (5%)
$45,250
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 96143.
Estimated Monthly Payment
$5,751
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