95313 — Stanislaus County, California Market Snapshot
Housing market data for zip code 95313 in Stanislaus 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 Stanislaus County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$1,100,000
Days to Sell
74
Homes Sold
1
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 95313 at $1,100,000 exceeds the 2026 conforming loan limit of $832,750 by $267,250. 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
With homes sitting for 74 days on average, 95313 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 95313 at $1,100,000 exceeds the 2026 conforming loan limit of $832,750 by $267,250. 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 95313 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 95313
To purchase the median home at $1,100,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,578.
Monthly Payment
$8,578
Income Required
$367,622
Principal & Interest
$6,778/mo
Down Payment (5%)
$55,000
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 95313.
Estimated Monthly Payment
$6,958
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 95313.
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