95236 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95236 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 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
3 sales in 2026 (year to date)
Median Sale Price
$750,000
Days to Sell
59
Homes Sold
3
Inventory
10
Conforming Loan Available
The median home in 95236 at $750,000 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
95236's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 95236 at $750,000 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 95236 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 95236
To purchase the median home at $750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,896.
Monthly Payment
$5,896
Income Required
$252,697
Principal & Interest
$4,621/mo
Down Payment (5%)
$37,500
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 95236.
Estimated Monthly Payment
$4,792
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