93428 — San Luis Obispo County, California Market Snapshot
Housing market data for zip code 93428 in San Luis Obispo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$1,035,000
Days to Sell
35
Homes Sold
25
Inventory
52
Sale-to-List
96.9%
New Listings
62
Price/SqFt
$733
Pending Sales
41
Jumbo Loan Likely Needed
The median home in 93428 at $1,035,000 exceeds the 2026 conforming loan limit of $1,000,500 by $34,500. 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
93428's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 93428 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 93428 at $1,035,000 exceeds the 2026 conforming loan limit of $1,000,500 by $34,500. 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 93428 are set at the county level.
2026 Loan Limits — San Luis Obispo County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,000,500 | $1,000,500 |
| 2 Units | $1,280,850 | $1,280,850 |
| 3 Units | $1,548,250 | $1,548,250 |
| 4 Units | $1,924,100 | $1,924,100 |
Affordability Snapshot — Zip 93428
To purchase the median home at $1,035,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,080.
Monthly Payment
$8,080
Income Required
$346,279
Principal & Interest
$6,377/mo
Down Payment (5%)
$51,750
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 93428.
Estimated Monthly Payment
$6,555
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