ZIP 94574, Saint Helena Housing Market · 2026

Data through Sep 2026 · Part of the Saint Helena housing market

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

ZIP 94574, Saint Helena Market Snapshot

ZIP 94574 offers real opportunities for buyers, and the balance keeps tilting their way:

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
$2.19M
▲ Up 0.1% from September 2025
Up $2K 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
~$14,574/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$12,113
  • Property Tax$2,278
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
74 days
▲ 1 more day than in September 2025
Buyers have time to decide
Sale-to-List Ratio
91.5%
▼ Down from 94.1% in September 2025
Selling 8% below asking
% Sold Over Asking
5%
Only 5% sold above asking. Few bidding wars right now
Active Listings
87
▼ Down 0.7% from September 2025
About 13.1 months of supply. Plenty of options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94574, Saint Helena.

Median Sale Price
Up 0.1% year-over-year in 94574, Saint Helena. Based on 20 sales in the last 3 months.
Homes Sold
26% fewer homes sold than a year ago in 94574, Saint Helena.
Total Monthly Payment
Estimated monthly cost is up 6% from a year ago in 94574, Saint Helena, 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 ZIP 94574

Is now a good time to buy in ZIP 94574?

ZIP 94574 is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.

How do ZIP 94574 home prices compare to the Bay Area average?

At $2.19M, ZIP 94574's median is close to the Bay Area average of $1.77M.

By home type:

  • Single-family homes at $2.27M
  • Condos at $855K
What price range should I budget for in ZIP 94574?

Prices in ZIP 94574 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.27M
  • Condos at $855K

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 94574 for buyers?

ZIP 94574 is a buyer's market:

  • Homes sell about 8% below asking on average
  • 5% close above list price
  • 74 days typical time to go pending
  • 33% of listings have had a price reduction

Buyer strategy: well-structured offers below asking can succeed here.

What will my total monthly cost be on a median-priced ZIP 94574 home?

At $2.19M with 20% down at 7.4%, your estimated total monthly cost is approximately $14,574:

  • $12,113 principal and interest
  • $2,278 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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