ZIP 94549, Lafayette Housing Market · 2026

Data through Jul 2026 · Part of the Lafayette housing market

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

ZIP 94549, Lafayette Market Snapshot

ZIP 94549 is a balanced market, but competition has been picking up. Here's where things stand:

Based on 102 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$2.02M
Down 8.0% from July 2025
Down $175K from July 2025
Homes Sold
102
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$12,754/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$10,462
  • Property Tax$2,109
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
15 days
2 fewer days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
102.0%
Up from 101.4% in July 2025
Selling at or near asking price
% Sold Over Asking
40%
40% of homes sold above asking, some competition
Active Listings
66
Up 2.1% from July 2025
About 2 months of supply. Moderate selection available

Market Trends

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

Median Sale Price
Down 8.0% year-over-year in 94549, Lafayette. Based on 102 sales in the last 3 months.
Homes Sold
16% more homes sold than a year ago in 94549, Lafayette.
Total Monthly Payment
Estimated monthly cost is down 8% 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 6.71%. 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 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 ZIP 94549 home prices compare to the Bay Area average?

At $2.02M, ZIP 94549's median is close to the Bay Area average of $1.80M.

This is close to the Lafayette city-wide median of $2.01M.

By home type:

  • Single-family homes at $2.04M
  • Condos at $950K
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 $2.04M
  • Condos at $950K

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 is a balanced market where neither side dominates:

  • Homes sell about 2% above asking on average
  • 40% close above list price
  • 15 days typical time to go pending
  • 27% 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 ZIP 94549 home?

At $2.02M with 20% down at 6.71%, your estimated total monthly cost is approximately $12,754:

  • $10,462 principal and interest
  • $2,109 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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