94501 — Alameda County, California Market Snapshot
Housing market data for zip code 94501 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$627,500
Days to Sell
23
Homes Sold
22
Inventory
29
Sale-to-List
104.1%
New Listings
33
Price/SqFt
$548
Pending Sales
24
Conforming Loan Available
Most homebuyers in 94501 can comfortably use conventional financing. The median home price of $627,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 94501 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94501 are selling 4.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 94501 can comfortably use conventional financing. The median home price of $627,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 94501 are set at the county level.
2026 Loan Limits — Alameda County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94501
To purchase the median home at $627,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,958.
Monthly Payment
$4,958
Income Required
$212,473
Principal & Interest
$3,866/mo
Down Payment (5%)
$31,375
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94501.
Estimated Monthly Payment
$4,033
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