95818 — Sacramento County, California Market Snapshot
Housing market data for zip code 95818 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$710,000
Days to Sell
14
Homes Sold
85
Inventory
54
Sale-to-List
100.7%
New Listings
103
Price/SqFt
$455
Pending Sales
91
Conforming Loan Available
The median home in 95818 at $710,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 95818 are moving quickly at 14 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 95818 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95818 at $710,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 95818 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 95818
To purchase the median home at $710,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,590.
Monthly Payment
$5,590
Income Required
$239,562
Principal & Interest
$4,375/mo
Down Payment (5%)
$35,500
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 95818.
Estimated Monthly Payment
$4,544
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