Downtown Lafayette, Lafayette Housing Market · 2026

Data through Sep 2026

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

Downtown Lafayette, Lafayette Market Snapshot

Downtown Lafayette is shifting toward buyers. Here's where things stand:

Based on 6 homes sold in the 3 months ending September 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 September 2026

SalesWhat are homes selling for?
Median Sale Price
$905K
▼ Down 18.9% from September 2025
Down $210K from September 2025
Homes Sold
6
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$6,137/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$5,011
  • Property Tax$942
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
43 days
▲ 7 more days than in September 2025
Buyers have time to decide
Sale-to-List Ratio
99.5%
▼ Down from 99.7% in September 2025
Selling 1% below asking
% Sold Over Asking
33%
33% of homes sold above asking, some competition
Active Listings
5
▼ Down 11.1% from September 2025
About 2.7 months of supply. Moderate selection available

Market Trends

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

Median Sale Price
Down 18.9% year-over-year in Downtown Lafayette. Based on 6 sales in the last 3 months.
Homes Sold
Total Monthly Payment
Estimated monthly cost is down 13% from a year ago in Downtown Lafayette, 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 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Downtown Lafayette, Lafayette

Is now a good time to buy in Downtown Lafayette, Lafayette?

Downtown Lafayette, Lafayette currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.

How do Downtown Lafayette, Lafayette home prices compare to the Bay Area average?

At $905K, Downtown Lafayette, Lafayette's median sits about 49% below the Bay Area average of $1.77M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that Downtown Lafayette, Lafayette is one of the more accessible corners of the Bay Area.

Within Lafayette, this area trades about 53% below the city-wide median of $1.93M.

By home type:

  • Condos at $935K
  • Single-family homes at $1.02M
  • Townhomes at $600K
What price range should I budget for in Downtown Lafayette, Lafayette?

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

  • Condos at $935K
  • Single-family homes at $1.02M
  • Townhomes at $600K

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 Downtown Lafayette, Lafayette for buyers?

Downtown Lafayette, Lafayette currently leans toward buyers:

  • Homes sell about 0.5% below asking on average
  • 33% close above list price
  • 43 days typical time to go pending
  • 17% 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 Downtown Lafayette, Lafayette home?

At $905K with 20% down at 7.4%, your estimated total monthly cost is approximately $6,137:

  • $5,011 principal and interest
  • $942 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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