Merced, CA—95369
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Merced, CA
As of Oct '25, the median home price in Merced, CA is $455,000, with a year-over-year change of -1.2%. This indicates that home prices in Merced, CA are decreasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $455,000 | -1.2% |
| Single Family | $455,000 | -0.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Merced, CA
Merced, CA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,100 | $2,100 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,100 | $2,100 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Merced, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Merced, CA is 173. This is a increase of 47.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $775,000 | 31.0% |
Listing Count | 2 | -20.0% |
| Listings as % of Homes | 0.2% | -20.0% |
Days on Market | 173 | 47.0% |
Demographics — Merced, CA
As of the latest ACS Survey released in 2023, Merced, CA has a population of 802, which has decreased by -19.0% over the past 5 years. Merced, CA is a moderately popular place for families, as children make up 21.8% of the population. The area has a poorly educated workforce, with 10.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 0.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 802 | -19.0% |
% Under 18 | 21.8% | -10.7% |
% Seniors | 15.8% | 3.3% |
% WFH | 0.0% | -100.0% |
% w/ College Degree | 10.9% | -57.3% |
As of the latest ACS Survey released in 2023, Merced, CA is a predominantly white area, with 50.7% of the population identifying as white. The white population has shrunk by 21.2% in the last 5 years. The second most common race or ethnicity in Merced, CA is hispanic, making up 44.0% of the population. Foreign-born residents account for 26.9% of the population in Merced, CA, and this percentage has increased by 27.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 50.7% | -21.2% |
% Black | 0.0% | N/A |
% Hispanic | 44.0% | 32.9% |
% Asian | 0.4% | ∞% |
% Foreign Born | 26.9% | 27.5% |
Mortgage and Risk — Merced, CA
According to HUD data as of 2023, there were 26 mortgage originations in Merced, CA, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Merced, CA. Investor activity is low, as 8.0% of loans were by investors. 19.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 26 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 8.0% |
% Second Loans | 4.0% |
% Cash Out Refinance | 19.0% |
Loan Activity
Rentals and Section 8 — Merced, CA
Merced, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,050 |
| 2 Bedroom | N/A | N/A | $1,280 |
| 3 Bedroom | -$300 | $2,100 | $1,800 |
| 4 Bedroom | N/A | N/A | $2,170 |
Affordability — Merced, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.1 |
| Median Home Price | $455,000 |
| Median Household Income | $86,200 |