Central San Rafael, San Rafael Housing Market · 2026

Data through Sep 2026

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

Central San Rafael, San Rafael Market Snapshot

Central San Rafael favors sellers and competition is intensifying. Here's the picture:

Based on 60 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
$1.41M
▲ Up 10.6% from September 2025
Up $135K from September 2025
Homes Sold
60
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$9,460/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,808
  • Property Tax$1,468
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
27 days
▼ 2 fewer days than in September 2025
Homes typically sell within a month
Sale-to-List Ratio
103.2%
▲ Up from 100.2% in September 2025
Selling 3% above asking
% Sold Over Asking
51%
More than half of homes sold above their asking price
Active Listings
46
▼ Down 23.5% from September 2025
About 2.3 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Central San Rafael.

Median Sale Price
Up 10.6% year-over-year in Central San Rafael. Based on 60 sales in the last 3 months.
Homes Sold
50% more homes sold than a year ago in Central San Rafael.
Total Monthly Payment
Estimated monthly cost is up 17% from a year ago in Central San Rafael, 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 Central San Rafael, San Rafael

Is now a good time to buy in Central San Rafael, San Rafael?

Central San Rafael, San Rafael favors sellers and competition is intensifying. Buyers should prepare strong offers and expect limited room to negotiate on well-priced listings.

How do Central San Rafael, San Rafael home prices compare to the Bay Area average?

At $1.41M, Central San Rafael, San Rafael'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 Central San Rafael, San Rafael is one of the more accessible corners of the Bay Area.

This is close to the San Rafael city-wide median of $1.30M.

By home type:

  • Single-family homes at $1.50M
  • Condos at $645K
What price range should I budget for in Central San Rafael, San Rafael?

Prices in Central San Rafael, San Rafael depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.50M
  • Condos at $645K

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 Central San Rafael, San Rafael for buyers?

Central San Rafael, San Rafael currently favors sellers:

  • Homes sell about 3% above asking on average
  • 51% close above list price
  • 27 days typical time to go pending
  • 22% of listings have had a price reduction

Buyer strategy: well-priced homes still move quickly, but there is modest room for strong offers. Come in pre-approved with a clear plan.

What will my total monthly cost be on a median-priced Central San Rafael, San Rafael home?

At $1.41M with 20% down at 7.4%, your estimated total monthly cost is approximately $9,460:

  • $7,808 principal and interest
  • $1,468 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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