96001 — Shasta County, California Market Snapshot
Housing market data for zip code 96001 in Shasta County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
106 sales in 2026 (year to date)
Median Sale Price
$413,500
Days to Sell
24
Homes Sold
106
Inventory
110
Sale-to-List
100.5%
New Listings
192
Price/SqFt
$255
Pending Sales
138
Conforming Loan Available
Most homebuyers in 96001 can comfortably use conventional financing. The median home price of $413,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 96001 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 96001 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 96001 can comfortably use conventional financing. The median home price of $413,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 96001 are set at the county level.
2026 Loan Limits — Shasta County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 96001
To purchase the median home at $413,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,318.
Monthly Payment
$3,318
Income Required
$142,205
Principal & Interest
$2,548/mo
Down Payment (5%)
$20,675
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 96001.
Estimated Monthly Payment
$2,709
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