ZIP 94582, San Ramon Housing Market · 2026

Data through Mar 2026 · Part of the San Ramon housing market

ZIP 94582, San Ramon Market Snapshot

ZIP 94582 is shifting toward buyers. Here's where things stand:

Based on 42 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
$1.43M
Down 27.8% from March 2025
Down $550K from March 2025
Homes Sold
42
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,926/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,253
  • Property Tax$1,490
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
21 days
6 more days than in March 2025
Homes typically sell within a month
Sale-to-List Ratio
99.3%
Down from 100.6% in March 2025
Selling 1% below asking
% Sold Over Asking
36%
36% of homes sold above asking, some competition
Active Listings
49
Down 16.9% from March 2025
About 1.2 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94582, San Ramon.

Median Sale Price
Down 27.8% year-over-year in 94582, San Ramon. Based on 42 sales in the most recent month.
Homes Sold
13% fewer homes sold than a year ago in 94582, San Ramon.
Total Monthly Payment
Estimated monthly cost is down 29% from a year ago in 94582, San Ramon, 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 94582

Is now a good time to buy in ZIP 94582?

ZIP 94582 currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.

How do ZIP 94582 home prices compare to the Bay Area average?

At $1.43M, ZIP 94582's median sits about 24% below the Bay Area average of $1.88M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 94582 is one of the more accessible corners of the Bay Area.

This is close to the San Ramon city-wide median of $1.51M.

By home type:

  • Single-family homes at $1.96M
  • Condos at $668K
  • Townhomes at $1.10M
What price range should I budget for in ZIP 94582?

Prices in ZIP 94582 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.96M
  • Condos at $668K
  • Townhomes at $1.10M

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 94582 for buyers?

ZIP 94582 currently leans toward buyers:

  • Homes sell about 0.7% below asking on average
  • 36% close above list price
  • 21 days typical time to go pending

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced ZIP 94582 home?

At $1.43M with 20% down at 6.53%, your estimated total monthly cost is approximately $8,926:

  • $7,253 principal and interest
  • $1,490 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.”
See all reviews on Zillow

Let's Chat!

I read every message and usually reply the same day.

What brings you here?