ZIP 95430, Duncans Mills Housing Market · 2025

Data through Dec 2025 · Part of the Duncans Mills housing market

ZIP 95430, Duncans Mills Market Snapshot

ZIP 95430 is a balanced market, a good environment for thoughtful decisions on both sides:

Based on just 2 sales in December 2025. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Read this as a rough snapshot; a single transaction can move these numbers noticeably. Updated weekly.

Data through December 2025

SalesWhat are homes selling for?
Median Sale Price
$419K
Homes Sold
2
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$2,745/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$2,125
  • Property Tax$436
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
18 days
Homes typically sell within a month
Sale-to-List Ratio
101.3%
Selling at or near asking price
% Sold Over Asking
50%
More than half of homes sold above their asking price
Active Listings
n/a

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95430, Duncans Mills.

Median Sale Price
Homes Sold
Total Monthly Payment
Estimated monthly cost is down 52% from a year ago in 95430, Duncans Mills, 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 95430

Is now a good time to buy in ZIP 95430?

Data for ZIP 95430 specifically is limited. Only 2 sales in the most recent month is not enough to read neighborhood-level conditions, and one unusual transaction can dominate the reported numbers. Neighborhood-specific trends require more sample volume to interpret reliably. For a better read on the area, talk to a local agent who can pull recent comps on a specific street or block.

How do ZIP 95430 home prices compare to Duncans Mills and the Bay Area?

ZIP 95430's 2 recent sales were at a median of $419K. With only a small sample, it is hard to draw firm neighborhood-level conclusions. This could reflect a specific property or an unusual transaction rather than a broader trend. For context, the Bay Area median is $1.88M.

What will my total monthly cost be on a typical ZIP 95430 home?

Using the 2 recent sales (median $419K) as a rough anchor, your estimated total monthly cost with 20% down at 6.53% would be approximately $2,745:

  • $2,125 principal and interest
  • $436 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

The actual number for any specific property depends on sale price, HOA if applicable, and lender.

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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