Alameda, California.
Typical home $1,145,869 (+2.1% in a year), asking rent $2,876 (+5.9%). San Francisco-Oakland-Berkeley, CA metro.
to buy the typical home at today's mortgage rate — +$2,507 (+71%) since Jan 2020.
- 1 year
- Up $23,592 +2%
- $1,122,278$1,145,869 since Sep 2025
- 5 years
- Down $10,721 -1%
- $1,156,590$1,145,869 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Alameda$6,014
- California$3,997
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Alameda, CA rose 2.1% over the past year — faster than the nation's +1.2%.
Asking rents in Alameda, CA rose 5.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Alameda runs $5,108/mo more than renting one. The gap peaked at $5,753 in Oct 2023.
That is $7,983 a month against $2,876 rent: a $6,014 mortgage payment, plus $742 property tax and $1,227 insurance & upkeep.
Owning vs renting — Alameda
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$7,983
- Renting$2,876
- Mortgage only$6,014
Property tax · $742/mo 0.78% of value a year — the ACS 2020-2024 median bill over the median home value for Alameda County, CA
Insurance & upkeep · $1,227/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Alameda, Alameda County, California
Alameda is a city of 78,280 people in Alameda County. Half its households earn more than $137,697 a year and half less, against $129,367 across Alameda County; 7% of its people live below the poverty line. 51% of its homes are lived in by their owners and 49% are rented. Unemployment in Alameda was 5.2% in August 2026, and Alameda County had 0.9% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Alameda is a city on an island in San Francisco Bay, with a median age a little older than many places and a population that makes it a mid-sized city. Household incomes run above the county's, and a large majority of adults hold a four-year degree. Homes are about as likely to be rented as lived in by their owners, so renting is common alongside owning, and typical home values and rents are high. Winters are mild and cool, summers are warm but not hot, and the rain is modest.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in manufacturing and in shops. Among the largest workplaces in Alameda are Alameda Unified, the school district, along with Alameda Hospital and Webcor Construction. Commutes are fairly long, and a good share of residents work from home. Unemployment is about where it was a year earlier, and across the county there are slightly fewer jobs than the year before.
Things to do. A short drive away, the USS Hornet is a museum ship, and the San Francisco Museum of Modern Art is an art museum. Oracle Park, a stadium, is also a short drive away. For a longer outing, Golden Gate Park is a large garden and park a longer drive away.
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- 29,988households
- 62%of adults have a degree
- 7%below the poverty line
- 32 mintypical commute
- 33%work from home
What residents work in
Employed residents by industry, from the Census survey. Alameda County had 783,094 jobs in 2025, 0.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 58° and lows near 42°; warmest in September, with highs near 74° and lows near 56°. About 19 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Oakland Metro International Airport weather station, 3 miles away (NOAA).
Largest workplaces in Alameda
- Alameda UnifiedSchool district791FTE
- BEI ConstructionElectrical, electrical wiring, and low voltage electrical work551
- Webcor ConstructionHigh-rise apartment construction general contractors466
- Sila NanotechnologiesFibers, carbon and graphite, manufacturing400
- Telecare Corporate OfficePsychiatric and substance abuse hospitals384
- Alameda HospitalGeneral hospital362FTE
- Bay Ship & Yacht CoShip repair done in a shipyard349
- Sutter Visiting Nurse Association and HospiceHealthcare257
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 33 workplaces with 20 or more staff, 5,264 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesVery high
- Inland floodingVery high
- Coastal floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Alameda’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Alameda County and the San Francisco-Oakland-Berkeley, CA metro.
Alameda home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Alameda$1,145,869
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Alameda listings, and the typical home goes pending in 16 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Alameda18.33%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Alameda16
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Alameda102
New listings per month
Sellers arriving at the market.
- Alameda40
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Alameda$1,136,587
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Alameda110.32%
Zip codes with a Alameda address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Alameda — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Alameda
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 94501 | Alameda | 63,808 | $2,825 | $1,147,274 |
| 94502 | Alameda | 13,430 | $5,538 | $1,142,089 |