Central, Belmont Housing Market · 2026

Data through Jul 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

Central, Belmont Market Snapshot

Central is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 20 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$2.12M
Down 4.5% from July 2025
Down $101K from July 2025
Homes Sold
20
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,373/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$10,977
  • Property Tax$2,213
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
19 days
7 more days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
102.0%
Down from 106.6% in July 2025
Selling at or near asking price
% Sold Over Asking
52%
More than half of homes sold above their asking price
Active Listings
12
Up 135.7% from July 2025
About 1.8 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Central.

Median Sale Price
Down 4.5% year-over-year in Central. Based on 20 sales in the last 3 months.
Homes Sold
11% more homes sold than a year ago in Central.
Total Monthly Payment
Estimated monthly cost is down 5% from a year ago in Central, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.71%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Central, Belmont

Is now a good time to buy in Central, Belmont?

Central, Belmont is a balanced market that is tilting gently toward buyers. Both sides have reasonable leverage, contingencies are more common, and there is time to make thoughtful decisions.

How do Central, Belmont home prices compare to the Bay Area average?

At $2.12M, Central, Belmont's median is close to the Bay Area average of $1.80M.

This is close to the Belmont city-wide median of $2.12M.

By home type:

  • Single-family homes at $2.40M
  • Condos at $1.09M
What price range should I budget for in Central, Belmont?

Prices in Central, Belmont depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.40M
  • Condos at $1.09M

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is Central, Belmont for buyers?

Central, Belmont is a balanced market where neither side dominates:

  • Homes sell about 2% above asking on average
  • 52% close above list price
  • 19 days typical time to go pending
  • 33% of listings have had a price reduction

Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.

What will my total monthly cost be on a median-priced Central, Belmont home?

At $2.12M with 20% down at 6.71%, your estimated total monthly cost is approximately $13,373:

  • $10,977 principal and interest
  • $2,213 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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