95391 — San Joaquin County, California Market Snapshot
Housing market data for zip code 95391 in San Joaquin County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$900,000
Days to Sell
29
Homes Sold
29
Inventory
75
Sale-to-List
96.6%
New Listings
82
Price/SqFt
$354
Pending Sales
44
Jumbo Loan Likely Needed
The median home in 95391 at $900,000 exceeds the 2026 conforming loan limit of $832,750 by $67,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 95391 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 95391 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 95391 at $900,000 exceeds the 2026 conforming loan limit of $832,750 by $67,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 95391 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 95391
To purchase the median home at $900,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,046.
Monthly Payment
$7,046
Income Required
$301,950
Principal & Interest
$5,546/mo
Down Payment (5%)
$45,000
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 95391.
Estimated Monthly Payment
$5,720
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