ZIP 95446, Guerneville Housing Market · 2026

Data through May 2026 · Part of the Guerneville housing market

ZIP 95446, Guerneville Market Snapshot

ZIP 95446 is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 18 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
$580K
Up 10.5% from May 2025
Up $55K from May 2025
Homes Sold
18
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$3,717/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$2,930
  • Property Tax$604
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
27.5 days
1 more day than in May 2025
Homes typically sell within a month
Sale-to-List Ratio
100.8%
Down from 101.3% in May 2025
Selling at or near asking price
% Sold Over Asking
50%
More than half of homes sold above their asking price
Active Listings
61
Down 4.7% from May 2025
About 3.4 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95446, Guerneville.

Median Sale Price
Up 10.5% year-over-year in 95446, Guerneville. Based on 18 sales in the most recent month.
Homes Sold
14% fewer homes sold than a year ago in 95446, Guerneville.
Total Monthly Payment
Estimated monthly cost is up 7% from a year ago in 95446, Guerneville, 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 6.49%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95446

Is now a good time to buy in ZIP 95446?

ZIP 95446 is a balanced market that is tilting gently toward buyers. Both sides have reasonable leverage, contingencies are more common, and there is time to make thoughtful decisions.

How do ZIP 95446 home prices compare to the Bay Area average?

At $580K, ZIP 95446's median sits about 69% below the Bay Area average of $1.85M. ZIP 95446 is among the most accessible parts of the Bay Area.

How competitive is ZIP 95446 for buyers?

ZIP 95446 is a balanced market where neither side dominates:

  • Homes sell about 0.8% above asking on average
  • 50% close above list price
  • 27.5 days typical time to go pending

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 95446 home?

At $580K with 20% down at 6.49%, your estimated total monthly cost is approximately $3,717:

  • $2,930 principal and interest
  • $604 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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