Home Value Trends:
October 2026

Published October 16, 2026 · Data through August 2026 (Redfin)

Which Merced County zip codes were up this month, and which were down? In the latest published data, south Turlock (95380) led the service area with a median sale price of about $505,000, up 9.9% year over year, and Merced's 95341 was up 1.3% to about $390,000. The biggest year-over-year declines were Atwater (95301) at 11.6% and Mariposa (95338) at 39.3%, the latter on very low sales volume, while most other service-area zips ended the year modestly lower. Here is the October 2026 Home Value Trends report for every zip code Monica Franks serves.

Home values by zip code: the October 2026 table

The table below lists each service-area zip code with its latest median sale price, the change versus last month, and the change versus last year. All values are median sale prices from Redfin's zip-level market data, the most current published figures for these areas, with the data period noted beside each number. Redfin reports most of its medians on a trailing three-month basis, so month-over-month medians are not published consistently for every zip; where a reliable month-over-month figure is available it is shown, and otherwise the cell reads "not available this month."

What the October 2026 numbers show

The stand-out of this report is south Turlock (95380). At about $505,000, its median sale price was up 9.9% year over year, the strongest gain in the service area, even as north Turlock (95382) slipped 5.7% to about $502,000. That split is a reminder that zip codes within one city can move in different directions, so the zip that matches your street matters more than the city name.

Merced's three zips straddled flat. 95341 rose 1.3% to about $390,000, the only Merced zip up year over year, while 95340 eased 7.2% to about $392,000 and 95348 slipped 3.0% to about $415,000. For context, Zillow's citywide typical home value for Merced is about $396,000, down 1.1% year over year, a gentler read of the same cooling trend. In practical terms, Merced sellers should price against the freshest closings in their own zip, not a city average.

Atwater (95301) and Livingston (95334) both cooled. Atwater's median sale price of about $420,000 was down 11.6% year over year, the largest decline among the higher-volume zips, and Livingston fell 3.5% to about $417,500. Winton (95388) was steadier: its median of about $392,000 was up about $13,000 month over month, though a clean year-over-year figure was not published. Chowchilla (93610) also eased, down 6.7% year over year to about $370,000 on Redfin's measure, while Zillow's typical home value for the zip was about $390,000, up 1.5% year over year, again showing how the two sources can diverge.

The foothill markets need context. Catheys Valley (95306) showed a median sale price of about $605,000 in September, up about $80,000 month over month, and Mariposa (95338) came in near $350,000, down 39.3% year over year. Both zips trade on a small number of sales, so single closings swing the medians sharply; Zillow's typical home values for these areas were about $497,000 for Catheys Valley and $392,000 for Mariposa. If you are selling in these markets, use recent closed sales on your own road as the guide, not the zip headline.

How to use this data for your zip

Zip-level medians set context, but your sale happens on your street. The right next step is a value based on the last 90 days of closed sales near your home, adjusted for your lot, condition, and upgrades. The service-area guides below give each local market more depth, and the October 2026 Merced real estate market update covers the county-wide picture, including months of supply and days on market.

• Merced (95340, 95341, 95348): The deepest buyer pool in the county, anchored by UC Merced and the downtown corridor. See the Merced selling guide.
• Atwater (95301): Steady first-time and commuter demand along the Highway 99 corridor. More on the Atwater market.
• Turlock (95380, 95382): CSU Stanislaus and a busy retail base support a dependable buyer flow. Explore the Turlock market.
• Livingston and Winton: The entry-price end of the county with thin inventory and strong first-time buyer interest. See Livingston and Winton.
• McSwain, Catheys Valley, and Mariposa: Acreage and foothill properties (McSwain is served by the 95301 and 95341 zips) sell to a smaller, more deliberate buyer pool. Visit the McSwain, Catheys Valley, and Mariposa guides.
• Chowchilla: A separate market on the county's north edge with its own price rhythm. Start with the Chowchilla guide.

One note on coverage: zip 95363 belongs to Patterson in Stanislaus County, which is outside this service area, so it is not included here. This report tracks the zips that serve the nine communities Monica works in: Merced, Atwater, McSwain, Livingston, Turlock, Winton, Chowchilla, Catheys Valley, and Mariposa.

Sources and method

Every median in this report comes from Redfin's Merced County housing market data, with zip-level figures from Redfin's individual zip pages, and the data period noted beside each number. Zillow's typical home values are referenced for context where they differ, from Zillow's Merced home values page. Redfin medians are for all home types and are rounded. Month-over-month changes are shown only where a source published a reliable reading; elsewhere the cell reads "not available this month." Small markets (Catheys Valley, Mariposa) can move sharply on a few sales, and the notes flag that.

For the longer view, the October 2026 market update covers county pricing, supply, and pace, and the fall 2026 housing market outlook breaks down neighborhood detail. This Home Value Trends report will be refreshed each month as new data lands.

What this means for sellers

The zip table is the honest view: values are not climbing everywhere, which makes pricing discipline more important, not less. In zips that are down year over year, a home priced against last spring's numbers will sit while buyers compare it to fresher closings. In zips that are up, like 95380, the data still says a well-priced, well-presented home draws serious traffic. Either way, set your list price from the last 90 days of sales in your own zip, keep preparation tight, and let the freshest numbers carry the conversation. My guide to pricing your home to sell in Merced County walks through turning these zip-level numbers into a list price that performs.

I watch these zip-level trends month to month as The Seller's Agent in Merced County, because the difference between a strong sale and a stalled listing is usually a pricing decision made from the right data. Read more about my background, or request your free report below.