96145 — Placer County, California Market Snapshot
Housing market data for zip code 96145 in Placer County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$1,432,500
Days to Sell
51
Homes Sold
14
Inventory
24
Sale-to-List
96.1%
New Listings
28
Price/SqFt
$796
Pending Sales
17
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,432,500 median-priced home in 96145 is $1,360,875. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $528,125 above the limit. A base loan at or below the limit would require at least 41.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 96145 is 51 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 96145 is 96.1%, or 3.9% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,432,500 median-priced home in 96145 is $1,360,875. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $528,125 above the limit. A base loan at or below the limit would require at least 41.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 96145 are set at the county level.
2026 Loan Limits — Placer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $764,750 |
| 2 Units | $1,066,250 | $979,000 |
| 3 Units | $1,288,800 | $1,183,400 |
| 4 Units | $1,601,750 | $1,470,700 |
Affordability Snapshot — Zip 96145
To purchase the median home at $1,432,500 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $11,692.
Monthly Payment
$11,692
Income Required
$501,102
Principal & Interest
$8,827/mo
Property Tax
$2,149/mo
Home Insurance
$150/mo
Estimated PMI
$567/mo
Down Payment (5%)
$71,625
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 96145.
Estimated Monthly Payment
$9,015
Above the conforming limit. The estimated loan amount exceeds the $832,750 limit for 96145. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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