94706 — Alameda County, California Market Snapshot
Housing market data for zip code 94706 in Alameda County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$1,575,000
Days to Sell
14
Homes Sold
31
Inventory
9
Sale-to-List
131.4%
New Listings
34
Price/SqFt
$1,045
Pending Sales
34
Jumbo Loan Likely Needed
The median home in 94706 at $1,575,000 exceeds the 2026 conforming loan limit of $1,249,125 by $325,875. 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
Homes in 94706 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94706 are selling 31.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94706 at $1,575,000 exceeds the 2026 conforming loan limit of $1,249,125 by $325,875. 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 94706 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 94706
To purchase the median home at $1,575,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,217.
Monthly Payment
$12,217
Income Required
$523,592
Principal & Interest
$9,705/mo
Down Payment (5%)
$78,750
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 94706.
Estimated Monthly Payment
$9,897
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94706.
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