95446 — Sonoma County, California Market Snapshot
Housing market data for zip code 95446 in Sonoma County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$580,000
Days to Sell
27
Homes Sold
18
Inventory
53
Sale-to-List
100.8%
New Listings
57
Price/SqFt
$554
Pending Sales
32
Conforming Loan Available
Most homebuyers in 95446 can comfortably use conventional financing. The median home price of $580,000 is well below the 2026 conforming loan limit of $897,000, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 95446 are moving quickly at 27 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 95446 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95446 can comfortably use conventional financing. The median home price of $580,000 is well below the 2026 conforming loan limit of $897,000, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95446 are set at the county level.
2026 Loan Limits — Sonoma County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $897,000 | $897,000 |
| 2 Units | $1,148,350 | $1,148,350 |
| 3 Units | $1,388,050 | $1,388,050 |
| 4 Units | $1,725,050 | $1,725,050 |
Affordability Snapshot — Zip 95446
To purchase the median home at $580,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,594.
Monthly Payment
$4,594
Income Required
$196,876
Principal & Interest
$3,574/mo
Down Payment (5%)
$29,000
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 95446.
Estimated Monthly Payment
$3,740
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