95242 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95242 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
98 sales in 2026 (year to date)
Median Sale Price
$609,159
Days to Sell
34
Homes Sold
98
Inventory
70
Sale-to-List
98.8%
New Listings
105
Price/SqFt
$311
Pending Sales
102
Conforming Loan Available
Most homebuyers in 95242 can comfortably use conventional financing. The median home price of $609,159 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
95242's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 95242 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95242 can comfortably use conventional financing. The median home price of $609,159 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 95242 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 95242
To purchase the median home at $609,159 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,817.
Monthly Payment
$4,817
Income Required
$206,451
Principal & Interest
$3,753/mo
Down Payment (5%)
$30,458
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 95242.
Estimated Monthly Payment
$3,920
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