93449 — San Luis Obispo County, California Market Snapshot
Housing market data for zip code 93449 in San Luis Obispo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$1,411,250
Days to Sell
42
Homes Sold
44
Inventory
38
Sale-to-List
98.6%
New Listings
49
Price/SqFt
$857
Pending Sales
42
Jumbo Loan Likely Needed
The median home in 93449 at $1,411,250 exceeds the 2026 conforming loan limit of $1,000,500 by $410,750. 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
93449's market is balanced with homes taking an average of 42 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 93449 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93449 at $1,411,250 exceeds the 2026 conforming loan limit of $1,000,500 by $410,750. 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 93449 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 93449
To purchase the median home at $1,411,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,963.
Monthly Payment
$10,963
Income Required
$469,823
Principal & Interest
$8,696/mo
Down Payment (5%)
$70,563
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 93449.
Estimated Monthly Payment
$8,884
Jumbo loan required. Loan amount exceeds the $1,000,500 conforming limit for 93449.
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