95824 — Sacramento County, California Market Snapshot
Housing market data for zip code 95824 in Sacramento County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$382,500
Days to Sell
17
Homes Sold
30
Inventory
19
Sale-to-List
101.5%
New Listings
33
Price/SqFt
$349
Pending Sales
29
Conforming Loan Available
Most homebuyers in 95824 can comfortably use conventional financing. The median home price of $382,500 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
Homes in 95824 are moving quickly at 17 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 95824 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95824 can comfortably use conventional financing. The median home price of $382,500 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 95824 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 95824
To purchase the median home at $382,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,081.
Monthly Payment
$3,081
Income Required
$132,025
Principal & Interest
$2,357/mo
Down Payment (5%)
$19,125
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 95824.
Estimated Monthly Payment
$2,517
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