ZIP 95425, Cloverdale Housing Market · 2026

Data through May 2026 · Part of the Cloverdale housing market

ZIP 95425, Cloverdale Market Snapshot

ZIP 95425 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 21 homes sold in May 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through May 2026

SalesWhat are homes selling for?
Median Sale Price
$620K
Up 3.3% from May 2025
Up $20K from May 2025
Homes Sold
21
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$3,961/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,132
  • Property Tax$646
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
43 days
10 fewer days than in May 2025
Buyers have time to decide
Sale-to-List Ratio
98.4%
Up from 97.7% in May 2025
Selling 2% below asking
% Sold Over Asking
29%
Only 29% sold above asking. Few bidding wars right now
Active Listings
36
Down 21.7% from May 2025
About 1.7 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95425, Cloverdale.

Median Sale Price
Up 3.3% year-over-year in 95425, Cloverdale. Based on 21 sales in the most recent month.
Homes Sold
16% fewer homes sold than a year ago in 95425, Cloverdale.
Total Monthly Payment
Estimated monthly cost is roughly flat compared to a year ago in 95425, Cloverdale.

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 6.49%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95425

Is now a good time to buy in ZIP 95425?

ZIP 95425 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 95425 home prices compare to the Bay Area average?

At $620K, ZIP 95425's median sits about 67% below the Bay Area average of $1.85M. ZIP 95425 is among the most accessible parts of the Bay Area.

This is close to the Cloverdale city-wide median of $584K.

How competitive is ZIP 95425 for buyers?

ZIP 95425 currently leans toward buyers:

  • Homes sell about 2% below asking on average
  • 29% close above list price
  • 43 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 95425 home?

At $620K with 20% down at 6.49%, your estimated total monthly cost is approximately $3,961:

  • $3,132 principal and interest
  • $646 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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