ZIP 95688, Vacaville Housing Market · 2026

Data through Sep 2026 · Part of the Vacaville housing market

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

ZIP 95688, Vacaville Market Snapshot

ZIP 95688 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 88 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through September 2026

SalesWhat are homes selling for?
Median Sale Price
$690K
▲ Up 2.0% from September 2025
Up $13K from September 2025
Homes Sold
88
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$4,723/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,821
  • Property Tax$719
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
34 days
▼ 12 fewer days than in September 2025
Buyers have time to decide
Sale-to-List Ratio
98.8%
▼ Down from 98.9% in September 2025
Selling 1% below asking
% Sold Over Asking
29%
Only 29% sold above asking. Few bidding wars right now
Active Listings
96
▲ Up 12.8% from September 2025
About 3.4 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95688, Vacaville.

Median Sale Price
Up 2.0% year-over-year in 95688, Vacaville. Based on 88 sales in the last 3 months.
Homes Sold
10% fewer homes sold than a year ago in 95688, Vacaville.
Total Monthly Payment
Estimated monthly cost is up 8% from a year ago in 95688, Vacaville, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95688

Is now a good time to buy in ZIP 95688?

ZIP 95688 leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

How do ZIP 95688 home prices compare to the Bay Area average?

At $690K, ZIP 95688's median sits about 61% below the Bay Area average of $1.77M. ZIP 95688 is among the most accessible parts of the Bay Area.

Within Vacaville, this area trades about 12% above the city-wide median of $616K.

By home type:

  • Single-family homes at $690K
  • Condos at $441K
What price range should I budget for in ZIP 95688?

Prices in ZIP 95688 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $690K
  • Condos at $441K

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is ZIP 95688 for buyers?

ZIP 95688 currently leans toward buyers:

  • Homes sell about 1% below asking on average
  • 29% close above list price
  • 34 days typical time to go pending
  • 39% of listings have had a price reduction

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced ZIP 95688 home?

At $690K with 20% down at 7.4%, your estimated total monthly cost is approximately $4,723:

  • $3,821 principal and interest
  • $719 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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