ZIP 94621, Oakland Housing Market · 2026

Data through Mar 2026 · Part of the Oakland housing market

ZIP 94621, Oakland Market Snapshot

ZIP 94621 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 32 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
$478K
Down 2.4% from March 2025
Down $11K from March 2025
Homes Sold
32
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$3,103/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$2,422
  • Property Tax$497
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
60.5 days
3 fewer days than in March 2025
Buyers have time to decide
Sale-to-List Ratio
98.5%
Down from 98.8% in March 2025
Selling 2% below asking
% Sold Over Asking
44%
44% of homes sold above asking, some competition
Active Listings
37
Down 28.8% 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 94621, Oakland.

Median Sale Price
Down 2.4% year-over-year in 94621, Oakland. Based on 32 sales in the most recent month.
Homes Sold
3% fewer homes sold than a year ago in 94621, Oakland.
Total Monthly Payment
Estimated monthly cost is down 4% from a year ago in 94621, Oakland, 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 94621

Is now a good time to buy in ZIP 94621?

ZIP 94621 leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

How do ZIP 94621 home prices compare to the Bay Area average?

At $478K, ZIP 94621's median sits about 75% below the Bay Area average of $1.88M. ZIP 94621 is among the most accessible parts of the Bay Area.

Within Oakland, this area trades about 46% below the city-wide median of $883K.

How competitive is ZIP 94621 for buyers?

ZIP 94621 currently leans toward buyers:

  • Homes sell about 2% below asking on average
  • 44% close above list price
  • 60.5 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 94621 home?

At $478K with 20% down at 6.53%, your estimated total monthly cost is approximately $3,103:

  • $2,422 principal and interest
  • $497 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra.

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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