Montclair, Oakland Housing Market · 2026

Data through Sep 2026

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

Montclair, Oakland Market Snapshot

Montclair is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:

Based on 20 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

SalesWhat are homes selling for?
Median Sale Price
$1.42M
▲ Up 1.4% from September 2025
Up $20K from September 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
~$9,525/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,863
  • Property Tax$1,479
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
14 days
▼ 16 fewer days than in September 2025
Homes sell in a week or two
Sale-to-List Ratio
125.0%
▲ Up from 105.3% in September 2025
Selling 25% above asking
% Sold Over Asking
85%
85% of homes sold above their asking price
Active Listings
7
▲ Up 6.7% from September 2025
About 1.1 months of supply. Very low, limited options for buyers

Market Trends

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

Median Sale Price
Up 1.4% year-over-year in Montclair. Based on 20 sales in the last 3 months.
Homes Sold
43% more homes sold than a year ago in Montclair.
Total Monthly Payment
Estimated monthly cost is up 8% from a year ago in Montclair, 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 Montclair, Oakland

Is now a good time to buy in Montclair, Oakland?

Montclair, Oakland is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.

How do Montclair, Oakland home prices compare to the Bay Area average?

At $1.42M, Montclair, Oakland's median sits about 20% 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 Montclair, Oakland is one of the more accessible corners of the Bay Area.

Within Oakland, this area trades about 84% above the city-wide median of $773K.

How competitive is Montclair, Oakland for buyers?

Montclair, Oakland is one of the Bay Area's more competitive markets:

  • Homes sell about 25% above asking on average
  • 85% close above list price
  • 14 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

What will my total monthly cost be on a median-priced Montclair, Oakland home?

At $1.42M with 20% down at 7.4%, your estimated total monthly cost is approximately $9,525:

  • $7,863 principal and interest
  • $1,479 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra.

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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