94580 — Alameda County, California Market Snapshot
Housing market data for zip code 94580 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$824,400
Days to Sell
14
Homes Sold
34
Inventory
13
Sale-to-List
104.0%
New Listings
50
Price/SqFt
$656
Pending Sales
41
Conforming Loan Available
Most homebuyers in 94580 can comfortably use conventional financing. The median home price of $824,400 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 94580 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94580 are selling 4.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 94580 can comfortably use conventional financing. The median home price of $824,400 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 94580 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 94580
To purchase the median home at $824,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,466.
Monthly Payment
$6,466
Income Required
$277,127
Principal & Interest
$5,080/mo
Down Payment (5%)
$41,220
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 94580.
Estimated Monthly Payment
$5,252
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