95465 — Sonoma County, California Market Snapshot
Housing market data for zip code 95465 in Sonoma County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$1,195,000
Days to Sell
22
Homes Sold
10
Inventory
3
Sale-to-List
100.2%
New Listings
9
Price/SqFt
$618
Pending Sales
7
Jumbo Loan Likely Needed
The median home in 95465 at $1,195,000 exceeds the 2026 conforming loan limit of $897,000 by $298,000. 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
Homes in 95465 are moving quickly at 22 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 95465 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95465 at $1,195,000 exceeds the 2026 conforming loan limit of $897,000 by $298,000. 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 95465 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 95465
To purchase the median home at $1,195,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,306.
Monthly Payment
$9,306
Income Required
$398,816
Principal & Interest
$7,363/mo
Down Payment (5%)
$59,750
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 95465.
Estimated Monthly Payment
$7,546
Jumbo loan required. Loan amount exceeds the $897,000 conforming limit for 95465.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95465. Tell us what you're looking for.