95330 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95330 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
101 sales in 2026 (year to date)
Median Sale Price
$685,000
Days to Sell
66
Homes Sold
101
Inventory
156
Sale-to-List
98.2%
New Listings
177
Price/SqFt
$292
Pending Sales
131
Conforming Loan Available
The median home in 95330 at $685,000 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
With homes sitting for 66 days on average, 95330 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 95330 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95330 at $685,000 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 95330 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 95330
To purchase the median home at $685,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,398.
Monthly Payment
$5,398
Income Required
$231,354
Principal & Interest
$4,221/mo
Down Payment (5%)
$34,250
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 95330.
Estimated Monthly Payment
$4,389
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95330. Tell us what you're looking for.