94544 — Alameda County, California Market Snapshot
Housing market data for zip code 94544 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$960,000
Days to Sell
12
Homes Sold
57
Inventory
37
Sale-to-List
103.0%
New Listings
92
Price/SqFt
$682
Pending Sales
63
Conforming Loan Available
Most homebuyers in 94544 can comfortably use conventional financing. The median home price of $960,000 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
94544 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94544 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 94544 can comfortably use conventional financing. The median home price of $960,000 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 94544 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 94544
To purchase the median home at $960,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,505.
Monthly Payment
$7,505
Income Required
$321,652
Principal & Interest
$5,915/mo
Down Payment (5%)
$48,000
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 94544.
Estimated Monthly Payment
$6,091
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