95486 — Sonoma County, California Market Snapshot
Housing market data for zip code 95486 in Sonoma County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Sonoma County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$385,000
Days to Sell
17
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 95486 can comfortably use conventional financing. The median home price of $385,000 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 95486 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 95486 can comfortably use conventional financing. The median home price of $385,000 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 95486 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 95486
To purchase the median home at $385,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,100.
Monthly Payment
$3,100
Income Required
$132,846
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,250
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 95486.
Estimated Monthly Payment
$2,533
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