ZIP 95462, Monte Rio Housing Market · 2026

Data through May 2026 · Part of the Monte Rio housing market

ZIP 95462, Monte Rio Market Snapshot

ZIP 95462 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 5 homes sold in May 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through May 2026

SalesWhat are homes selling for?
Median Sale Price
$625K
Down 11.3% from May 2025
Down $80K from May 2025
Homes Sold
5
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$3,991/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,157
  • Property Tax$651
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
28 days
5 more days than in May 2025
Homes typically sell within a month
Sale-to-List Ratio
99.7%
Up from 97.0% in May 2025
Selling at or near asking price
% Sold Over Asking
20%
Only 20% sold above asking. Few bidding wars right now
Active Listings
10
Up 11.1% from May 2025
About 2 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95462, Monte Rio.

Median Sale Price
Down 11.3% year-over-year in 95462, Monte Rio. Based on 5 sales in the most recent month.
Homes Sold
Total Monthly Payment
Estimated monthly cost is down 13% from a year ago in 95462, Monte Rio, 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 95462

Is now a good time to buy in ZIP 95462?

ZIP 95462 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 95462 home prices compare to the Bay Area average?

At $625K, ZIP 95462's median sits about 66% below the Bay Area average of $1.85M. ZIP 95462 is among the most accessible parts of the Bay Area.

How competitive is ZIP 95462 for buyers?

ZIP 95462 currently leans toward buyers:

  • Homes sell about 0.3% below asking on average
  • 20% close above list price
  • 28 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 95462 home?

At $625K with 20% down at 6.49%, your estimated total monthly cost is approximately $3,991:

  • $3,157 principal and interest
  • $651 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.”
See all reviews on Zillow

Let's Chat!

I read every message and usually reply the same day.

What brings you here?