ZIP 95480, Stewarts Point Housing Market · 2026

Data through May 2026 · Part of the Stewarts Point housing market

ZIP 95480, Stewarts Point Market Snapshot

ZIP 95480 is shifting toward buyers. Here's where things stand:

Based on 7 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
$2.15M
Up 26.8% from May 2025
Up $455K from May 2025
Homes Sold
7
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,283/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$10,860
  • Property Tax$2,240
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
24 days
11 more days than in May 2025
Homes typically sell within a month
Sale-to-List Ratio
97.3%
Down from 100.0% in May 2025
Selling 3% below asking
% Sold Over Asking
0%
No homes sold above asking. Few bidding wars right now
Active Listings
12
· Up 0.0% 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 95480, Stewarts Point.

Median Sale Price
Up 26.8% year-over-year in 95480, Stewarts Point. Based on 7 sales in the most recent month.
Homes Sold
Total Monthly Payment
Estimated monthly cost is up 23% from a year ago in 95480, Stewarts Point, 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 95480

Is now a good time to buy in ZIP 95480?

ZIP 95480 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 95480 home prices compare to the Bay Area average?

At $2.15M, ZIP 95480's median is close to the Bay Area average of $1.85M.

How competitive is ZIP 95480 for buyers?

ZIP 95480 currently leans toward buyers:

  • Homes sell about 3% below asking on average
  • 0% close above list price
  • 24 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 95480 home?

At $2.15M with 20% down at 6.49%, your estimated total monthly cost is approximately $13,283:

  • $10,860 principal and interest
  • $2,240 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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