The Islands, Foster City Housing Market · 2026

Data through Jul 2026

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

The Islands, Foster City Market Snapshot

The Islands leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 8 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$1.30M
Down 5.8% from July 2025
Down $80K from July 2025
Homes Sold
8
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,268/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$6,728
  • Property Tax$1,356
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
28 days
4 fewer days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
97.4%
Down from 99.0% in July 2025
Selling 3% below asking
% Sold Over Asking
25%
Only 25% sold above asking. Few bidding wars right now
Active Listings
5
Up 435.7% from July 2025
About 2 months of supply. Moderate selection available

Market Trends

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

Median Sale Price
Down 5.8% year-over-year in The Islands. Based on 8 sales in the last 3 months.
Homes Sold
Total Monthly Payment
Estimated monthly cost is down 6% from a year ago in The Islands, 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 The Islands, Foster City

Is now a good time to buy in The Islands, Foster City?

The Islands, Foster City leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

How do The Islands, Foster City home prices compare to the Bay Area average?

At $1.30M, The Islands, Foster City's median sits about 28% below the Bay Area average of $1.80M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that The Islands, Foster City is one of the more accessible corners of the Bay Area.

This is close to the Foster City city-wide median of $1.43M.

By home type:

  • Townhomes at $1.43M
  • Condos at $1.29M
What price range should I budget for in The Islands, Foster City?

Prices in The Islands, Foster City depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Townhomes at $1.43M
  • Condos at $1.29M

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 The Islands, Foster City for buyers?

The Islands, Foster City currently leans toward buyers:

  • Homes sell about 3% below asking on average
  • 25% close above list price
  • 28 days typical time to go pending
  • 28% of listings have had a price reduction

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced The Islands, Foster City home?

At $1.30M with 20% down at 6.71%, your estimated total monthly cost is approximately $8,268:

  • $6,728 principal and interest
  • $1,356 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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