Windsor, CA 95492 Real Estate Market Report

ZIP Code: 95492
Report Date: May 2026
Market Temperature: HOT
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Property Taxes

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Liquidity & Velocity

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Market Trends & Context

Understanding Market Temperature

A Hot market indicates strong buyer demand with limited inventory, typically characterized by rising prices, quick sales (low days on market), and inventory levels below historical averages.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Windsor, CA are 6.5%, which is 0.6% higher than the 5.9% average observed in February 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market indicator, the median sold price of 836,500, confirms recent transaction-level strength and aligns with a generally rising price environment; the median listing price of 849,000 sits slightly above this realized value, suggesting seller expectations remain elevated while price momentum persists.

2. Despite strong sold-price levels, the median days on market of 295 points to slower sales velocity than typical for a "hot" market; this extended time-to-contract may indicate pricing friction or selective buyer behavior rather than immediate liquidity.

3. Price and rental context show mixed signals: the median price per square foot is 459 while the median market rent is 2,995, and the rent year-over-year trend is down, which may signal softening rental demand even as property values remain elevated.

4. Market-level headwinds are present: market temperature is hot and the price year-over-year trend is up, yet interest rate pressure is characterized as elevated; additionally, Current 30-year fixed mortgage rates in Windsor, CA are 6.5%, which is 0.6% higher than the 5.9% average observed in February 2026, a dynamic that may temper buyer affordability going forward.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Windsor, CA 95492 Real Estate Market Report

ZIP Code: 95492
Report Date: May 2026
Market Temperature: HOT
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

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Property Taxes

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Hot market indicates strong buyer demand with limited inventory, typically characterized by rising prices, quick sales (low days on market), and inventory levels below historical averages.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Windsor, CA are 6.5%, which is 0.6% higher than the 5.9% average observed in February 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market signal is the $568,000 median sold price, which anchors current valuation and reflects completed transactions rather than asking behavior; combined with a hot market temperature, this suggests recent sales have supported upward pricing pressure.

2. Liquidity shows mixed signals: the median days on market 331 indicates slower sales velocity for sampled transactions and may indicate pricing friction or negotiation windows, even as the broader price trajectory is up.

3. Price efficiency is strong on a unit basis: the $325 per square foot median price per square foot supports comparability across product types and appears consistent with a market where realized sale prices remain elevated.

4. The rental and financing backdrop adds caution: the $2,995 median market rent is trending down, and interest rate pressure is elevated with local 30-year fixed mortgage rates at 6.5% (0.6% higher than the February 2026 average), which may constrain buyer purchasing power and slow investor demand.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.