ZIP 94806, San Pablo Housing Market · 2026

Data through Sep 2026 · Part of the San Pablo housing market

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

ZIP 94806, San Pablo Market Snapshot

ZIP 94806 is a balanced market, but competition has been picking up. Here's where things stand:

Based on 69 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
$610K
▲ Up 4.2% from September 2025
Up $25K from September 2025
Homes Sold
69
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$4,196/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,378
  • Property Tax$635
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
26 days
▼ 5 fewer days than in September 2025
Homes typically sell within a month
Sale-to-List Ratio
102.7%
▲ Up from 100.2% in September 2025
Selling at or near asking price
% Sold Over Asking
57%
More than half of homes sold above their asking price
Active Listings
81
▼ Down 22.1% from September 2025
About 3.6 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94806, San Pablo.

Median Sale Price
Up 4.2% year-over-year in 94806, San Pablo. Based on 69 sales in the last 3 months.
Homes Sold
30% fewer homes sold than a year ago in 94806, San Pablo.
Total Monthly Payment
Estimated monthly cost is up 10% from a year ago in 94806, San Pablo, 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 94806

Is now a good time to buy in ZIP 94806?

ZIP 94806 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 94806 home prices compare to the Bay Area average?

At $610K, ZIP 94806's median sits about 66% below the Bay Area average of $1.77M. ZIP 94806 is among the most accessible parts of the Bay Area.

By home type:

  • Single-family homes at $655K
  • Townhomes at $507K
  • Condos at $360K
What price range should I budget for in ZIP 94806?

Prices in ZIP 94806 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $655K
  • Townhomes at $507K
  • Condos at $360K

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 94806 for buyers?

ZIP 94806 is a balanced market where neither side dominates:

  • Homes sell about 3% above asking on average
  • 57% close above list price
  • 26 days typical time to go pending
  • 24% 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 94806 home?

At $610K with 20% down at 7.4%, your estimated total monthly cost is approximately $4,196:

  • $3,378 principal and interest
  • $635 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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