93465 — San Luis Obispo County, California Market Snapshot
Housing market data for zip code 93465 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
$1,010,000
Days to Sell
36
Homes Sold
25
Inventory
43
Sale-to-List
98.1%
New Listings
48
Price/SqFt
$507
Pending Sales
32
Jumbo Loan Likely Needed
The median home in 93465 at $1,010,000 exceeds the 2026 conforming loan limit of $1,000,500 by $9,500. 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
93465's market is balanced with homes taking an average of 36 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 93465 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93465 at $1,010,000 exceeds the 2026 conforming loan limit of $1,000,500 by $9,500. 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 93465 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 93465
To purchase the median home at $1,010,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,888.
Monthly Payment
$7,888
Income Required
$338,070
Principal & Interest
$6,223/mo
Down Payment (5%)
$50,500
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 93465.
Estimated Monthly Payment
$6,401
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