95953 — Sutter County, California Market Snapshot
Housing market data for zip code 95953 in Sutter 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
$425,000
Days to Sell
21
Homes Sold
17
Inventory
14
Sale-to-List
100.1%
New Listings
31
Price/SqFt
$248
Pending Sales
27
Conforming Loan Available
Most homebuyers in 95953 can comfortably use conventional financing. The median home price of $425,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 95953 are moving quickly at 21 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 95953 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95953 can comfortably use conventional financing. The median home price of $425,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95953 are set at the county level.
2026 Loan Limits — Sutter County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 95953
To purchase the median home at $425,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,406.
Monthly Payment
$3,406
Income Required
$145,980
Principal & Interest
$2,619/mo
Down Payment (5%)
$21,250
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 95953.
Estimated Monthly Payment
$2,780
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