95206 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95206 in San Joaquin 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 San Joaquin County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$328,250
Days to Sell
8
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 95206 can comfortably use conventional financing. The median home price of $328,250 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
95206 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 95206 can comfortably use conventional financing. The median home price of $328,250 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 95206 are set at the county level.
2026 Loan Limits — San Joaquin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $678,500 |
| 2 Units | $1,066,250 | $868,600 |
| 3 Units | $1,288,800 | $1,049,950 |
| 4 Units | $1,601,750 | $1,304,850 |
Affordability Snapshot — Zip 95206
To purchase the median home at $328,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,665.
Monthly Payment
$2,665
Income Required
$114,212
Principal & Interest
$2,023/mo
Down Payment (5%)
$16,413
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 95206.
Estimated Monthly Payment
$2,181
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