ZIP 94549, Lafayette Housing Market · 2026

Data through Mar 2026 · Part of the Lafayette housing market

ZIP 94549, Lafayette Market Snapshot

ZIP 94549 still favors sellers, but the market is cooling. Here's where things stand:

Based on 61 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$2.22M
Up 8.3% from March 2025
Up $169K from March 2025
Homes Sold
61
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,756/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$11,261
  • Property Tax$2,313
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
15 days
6 more days than in March 2025
Homes typically sell within a month
Sale-to-List Ratio
103.1%
Down from 103.6% in March 2025
Selling 3% above asking
% Sold Over Asking
49%
49% of homes sold above asking, some competition
Active Listings
40
Down 21.6% from March 2025
About 0.7 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94549, Lafayette.

Median Sale Price
Up 8.3% year-over-year in 94549, Lafayette. Based on 61 sales in the most recent month.
Homes Sold
17% more homes sold than a year ago in 94549, Lafayette.
Total Monthly Payment
Estimated monthly cost is up 6% from a year ago in 94549, 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 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94549

Is now a good time to buy in ZIP 94549?

ZIP 94549 still favors sellers, but conditions are slowly improving for buyers. Well-priced homes move fast, and there is slightly more room to negotiate than there was a year ago.

How do ZIP 94549 home prices compare to the Bay Area average?

At $2.22M, ZIP 94549's median is close to the Bay Area average of $1.88M.

Within Lafayette, this area trades about 11% below the city-wide median of $2.50M.

By home type:

  • Single-family homes at $2.27M
  • Condos at $850K
  • Townhomes at $1.19M
What price range should I budget for in ZIP 94549?

Prices in ZIP 94549 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.27M
  • Condos at $850K
  • Townhomes at $1.19M

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 ZIP 94549 for buyers?

ZIP 94549 currently favors sellers:

  • Homes sell about 3% above asking on average
  • 49% close above list price
  • 15 days typical time to go pending

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 ZIP 94549 home?

At $2.22M with 20% down at 6.53%, your estimated total monthly cost is approximately $13,756:

  • $11,261 principal and interest
  • $2,313 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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