95742 — Sacramento County, California Market Snapshot
Housing market data for zip code 95742 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
116 sales in 2026 (year to date)
Median Sale Price
$592,250
Days to Sell
66
Homes Sold
116
Inventory
111
Sale-to-List
99.2%
New Listings
137
Price/SqFt
$278
Pending Sales
137
Conforming Loan Available
Most homebuyers in 95742 can comfortably use conventional financing. The median home price of $592,250 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
With homes sitting for 66 days on average, 95742 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 95742 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95742 can comfortably use conventional financing. The median home price of $592,250 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 95742 are set at the county level.
2026 Loan Limits — Sacramento 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 95742
To purchase the median home at $592,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,688.
Monthly Payment
$4,688
Income Required
$200,899
Principal & Interest
$3,649/mo
Down Payment (5%)
$29,613
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 95742.
Estimated Monthly Payment
$3,815
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