94610 — Alameda County, California Market Snapshot
Housing market data for zip code 94610 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$1,737,500
Days to Sell
12
Homes Sold
46
Inventory
16
Sale-to-List
130.2%
New Listings
62
Price/SqFt
$883
Pending Sales
56
Jumbo Loan Likely Needed
The median home in 94610 at $1,737,500 exceeds the 2026 conforming loan limit of $1,249,125 by $488,375. 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
94610 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94610 are selling 30.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94610 at $1,737,500 exceeds the 2026 conforming loan limit of $1,249,125 by $488,375. 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 94610 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 94610
To purchase the median home at $1,737,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,462.
Monthly Payment
$13,462
Income Required
$576,950
Principal & Interest
$10,706/mo
Down Payment (5%)
$86,875
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 94610.
Estimated Monthly Payment
$10,903
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94610.
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