94546 — Alameda County, California Market Snapshot
Housing market data for zip code 94546 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$1,017,500
Days to Sell
12
Homes Sold
94
Inventory
44
Sale-to-List
104.7%
New Listings
116
Price/SqFt
$670
Pending Sales
106
Conforming Loan Available
The median home in 94546 at $1,017,500 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
94546 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 94546 are selling 4.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94546 at $1,017,500 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 94546 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 94546
To purchase the median home at $1,017,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,946.
Monthly Payment
$7,946
Income Required
$340,533
Principal & Interest
$6,270/mo
Down Payment (5%)
$50,875
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 94546.
Estimated Monthly Payment
$6,447
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