95819 — Sacramento County, California Market Snapshot
Housing market data for zip code 95819 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$830,000
Days to Sell
8
Homes Sold
45
Inventory
28
Sale-to-List
102.6%
New Listings
64
Price/SqFt
$591
Pending Sales
51
Conforming Loan Available
The median home in 95819 at $830,000 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
95819 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 95819 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95819 at $830,000 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 95819 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 95819
To purchase the median home at $830,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,509.
Monthly Payment
$6,509
Income Required
$278,966
Principal & Interest
$5,114/mo
Down Payment (5%)
$41,500
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 95819.
Estimated Monthly Payment
$5,287
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