Highland Terrace, Oakland Housing Market · 2026
Data through Sep 2026
Highland Terrace, Oakland Market Snapshot
Highland Terrace is a balanced market, but competition has been picking up. Here's where things stand:
- Homes are sitting for 48+ days. Buyers have the luxury of patience here
- Selling 6% above asking. Budget above list price to compete
- Loan payment: $3,571/mo P&I (7.32%, 20% down) · Est. total ~$4,431/mo with tax + insurance, well below the Bay Area average.
- Prices still rising (30.0% YoY) despite fewer bidding wars. Limited supply is the driver
- Highland Terrace pricing is 16% below the Oakland median ($650K vs. $773K)
Based on 7 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
- Principal & Interest$3,571
- Property Tax$677
- Insurance$183
Market Trends
See how prices, monthly costs, and mortgage rates have moved in Highland Terrace.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
Frequently asked questions about Highland Terrace, Oakland
- Is now a good time to buy in Highland Terrace, Oakland?
Highland Terrace, Oakland is balanced but competition is picking up. It remains a reasonable environment for buyers, though acting decisively on well-priced homes is becoming more important.
- How do Highland Terrace, Oakland home prices compare to the Bay Area average?
At $650K, Highland Terrace, Oakland's median sits about 63% below the Bay Area average of $1.77M. Highland Terrace, Oakland is among the most accessible parts of the Bay Area.
Within Oakland, this area trades about 16% below the city-wide median of $773K.
- How competitive is Highland Terrace, Oakland for buyers?
Highland Terrace, Oakland is a balanced market where neither side dominates:
- Homes sell about 6% above asking on average
- 28% close above list price
- 48 days typical time to go pending
- 20% 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 Highland Terrace, Oakland home?
At $650K with 20% down at 7.32%, your estimated total monthly cost is approximately $4,431:
- $3,571 principal and interest
- $677 property tax (California 1.25% effective rate)
- $183 homeowners insurance
HOA fees are extra.
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