95821 — Sacramento County, California Market Snapshot
Housing market data for zip code 95821 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Sacramento County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$317,500
Days to Sell
13
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 95821 can comfortably use conventional financing. The median home price of $317,500 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
95821 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 95821 can comfortably use conventional financing. The median home price of $317,500 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 95821 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 95821
To purchase the median home at $317,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,583.
Monthly Payment
$2,583
Income Required
$110,682
Principal & Interest
$1,956/mo
Down Payment (5%)
$15,875
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 95821.
Estimated Monthly Payment
$2,115
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