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.”
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.”
Data through Sep 2026
Cloverdale offers real opportunities for buyers right now:
Based on 24 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through September 2026
See how prices, monthly costs, and mortgage rates have moved in Cloverdale.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
The median sale price in Cloverdale is $589K — down 9% from $650K in October 2021. Over that stretch, the median peaked at $690K in July 2023 and bottomed at $550K in February 2022. That puts today's price about 5% below the area's 5-year average of $620K. Cloverdale averages only about 8 sales a month, so these swings partly reflect which specific homes happened to sell — treat the long-run direction as rough, not precise.
What buyers actually pay has moved more than the sticker price suggests: a typical monthly payment (20% down, principal & interest) is about $3,146 today, up 41% from $2,232 in October 2021. Most of that increase comes from mortgage rates (3.1% then vs. 7.0% now), not prices — at October 2021 rates, today's median would run about $2,023/mo.
Seasonally, the three months ending in October have been the busiest stretch for closings in Cloverdale over the past 5 years (about 30 sales in that window on average, vs. 17 for the stretch ending in February), while competition has run hottest in the stretch ending in May (44% of homes selling over asking on average). That's an average across just 5 observations per month, so treat it as a tendency, not a rule.
Cloverdale is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.
At $589K, Cloverdale's median sits about 67% below the Bay Area average of $1.77M. Cloverdale is among the most accessible parts of the Bay Area.
By home type:
Prices in Cloverdale depend heavily on home type and specific neighborhood. Median sale prices by type:
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.
Cloverdale is a buyer's market:
Buyer strategy: well-structured offers below asking can succeed here.
At $589K with 20% down at 7.4%, your estimated total monthly cost is approximately $4,061:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
→“Mel did an amazing job helping us buy our first home. When we first met her, we had done literally zero of the steps needed to buy a house, and 28 days later we closed.”
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“Working with Mel was the best decision I made in my home-buying journey. She was incredibly patient, taking the time to explain every detail of the process to me.”
“Mel did an incredible job helping me find and purchase my first home! She was very responsive, professional, and knowledgeable.”
“Working with Mel was a fantastic experience from start to finish. We were immediately impressed by her active listening and her ability to translate our needs.”
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