93446 — San Luis Obispo County, California Market Snapshot
Housing market data for zip code 93446 in San Luis Obispo County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the San Luis Obispo County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$497,000
Days to Sell
26
Homes Sold
1
Inventory
8
Conforming Loan Available
Most homebuyers in 93446 can comfortably use conventional financing. The median home price of $497,000 is well below the 2026 conforming loan limit of $1,000,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 93446 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 93446 can comfortably use conventional financing. The median home price of $497,000 is well below the 2026 conforming loan limit of $1,000,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 93446 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 93446
To purchase the median home at $497,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,958.
Monthly Payment
$3,958
Income Required
$169,623
Principal & Interest
$3,062/mo
Down Payment (5%)
$24,850
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 93446.
Estimated Monthly Payment
$3,226
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