ZIP 95462, Monte Rio Housing Market · 2026

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

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

ZIP 95462, Monte Rio Market Snapshot

ZIP 95462 is shifting toward buyers. Here's where things stand:

Based on 5 homes sold in the 3 months ending July 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 July 2026

SalesWhat are homes selling for?
Median Sale Price
$599K
Up 13.6% from July 2025
Up $72K from July 2025
Homes Sold
5
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$3,902/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,095
  • Property Tax$624
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
30 days
12 more days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
99.7%
Down from 101.6% in July 2025
Selling at or near asking price
% Sold Over Asking
20%
Only 20% sold above asking. Few bidding wars right now
Active Listings
16
Up 14.7% from July 2025
About 9.6 months of supply. Plenty of options for buyers

Market Trends

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

Median Sale Price
Up 13.6% year-over-year in 95462, Monte Rio. Based on 5 sales in the last 3 months.
Homes Sold
Total Monthly Payment
Estimated monthly cost is up 12% 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 6.71%. 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 currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.

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

At $599K, ZIP 95462's median sits about 67% below the Bay Area average of $1.80M. 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
  • 30 days typical time to go pending
  • 32% of listings have had a price reduction

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 $599K with 20% down at 6.71%, your estimated total monthly cost is approximately $3,902:

  • $3,095 principal and interest
  • $624 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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