95304 — Stanislaus County, California Market Snapshot
Housing market data for zip code 95304 in Stanislaus County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$885,000
Days to Sell
35
Homes Sold
17
Inventory
34
Sale-to-List
97.2%
New Listings
49
Price/SqFt
$321
Pending Sales
24
Jumbo Loan Likely Needed
The median home in 95304 at $885,000 exceeds the 2026 conforming loan limit of $832,750 by $52,250. 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
95304's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 95304 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 95304 at $885,000 exceeds the 2026 conforming loan limit of $832,750 by $52,250. 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 95304 are set at the county level.
2026 Loan Limits — Stanislaus County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $545,100 |
| 2 Units | $1,066,250 | $697,800 |
| 3 Units | $1,288,800 | $843,500 |
| 4 Units | $1,601,750 | $1,048,300 |
Affordability Snapshot — Zip 95304
To purchase the median home at $885,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,931.
Monthly Payment
$6,931
Income Required
$297,025
Principal & Interest
$5,453/mo
Down Payment (5%)
$44,250
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 95304.
Estimated Monthly Payment
$5,627
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