94550 — Alameda County, California Market Snapshot
Housing market data for zip code 94550 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
118 sales in 2026 (year to date)
Median Sale Price
$1,352,500
Days to Sell
11
Homes Sold
118
Inventory
76
Sale-to-List
102.1%
New Listings
163
Price/SqFt
$713
Pending Sales
121
Jumbo Loan Likely Needed
The median home in 94550 at $1,352,500 exceeds the 2026 conforming loan limit of $1,249,125 by $103,375. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
94550 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94550 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94550 at $1,352,500 exceeds the 2026 conforming loan limit of $1,249,125 by $103,375. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94550 are set at the county level.
2026 Loan Limits — Alameda County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94550
To purchase the median home at $1,352,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,512.
Monthly Payment
$10,512
Income Required
$450,532
Principal & Interest
$8,334/mo
Down Payment (5%)
$67,625
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94550.
Estimated Monthly Payment
$8,520
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94550. Tell us what you're looking for.