95817 — Sacramento County, California Market Snapshot
Housing market data for zip code 95817 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$530,000
Days to Sell
20
Homes Sold
37
Inventory
27
Sale-to-List
99.2%
New Listings
47
Price/SqFt
$425
Pending Sales
45
Conforming Loan Available
Most homebuyers in 95817 can comfortably use conventional financing. The median home price of $530,000 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 95817 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 95817 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95817 can comfortably use conventional financing. The median home price of $530,000 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 95817 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 95817
To purchase the median home at $530,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,211.
Monthly Payment
$4,211
Income Required
$180,458
Principal & Interest
$3,266/mo
Down Payment (5%)
$26,500
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 95817.
Estimated Monthly Payment
$3,430
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