Oakley, California.
Typical home $653,563 (-0.5% in a year), asking rent $3,294 (+2.2%). San Francisco-Oakland-Berkeley, CA metro.
to buy the typical home at today's mortgage rate — +$1,534 (+81%) since Jan 2020.
- 1 year
- Down $3,597 -1%
- $657,161$653,563 since Sep 2025
- 5 years
- Down $26,703 -4%
- $680,267$653,563 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.
- Oakley$3,430
- California$3,997
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Oakley, CA fell 0.5% over the past year — slower than the nation's +1.2%.
Asking rents in Oakley, CA rose 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Oakley runs $1,285/mo more than renting one. The gap peaked at $1,739 in May 2024.
That is $4,580 a month against $3,294 rent: a $3,430 mortgage payment, plus $450 property tax and $700 insurance & upkeep.
Owning vs renting — Oakley
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$4,580
- Renting$3,294
- Mortgage only$3,430
Property tax · $450/mo 0.83% of value a year — the ACS 2020-2024 median bill over the median home value for Contra Costa County, CA
Insurance & upkeep · $700/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 Oakley, Contra Costa County, California
Oakley is a city of 43,357 people in Contra Costa County. Half its households earn more than $137,677 a year and half less, against $127,229 across Contra Costa County; 6% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% are rented. Unemployment in Oakley was 4.7% in August 2026, and Contra Costa County had 0.1% more 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. Oakley is a city on the eastern edge of Contra Costa County, close to where the delta rivers run. Households here earn more than across the county, and more than most of the homes are lived in by their owners than you might expect for the Bay Area. The population is on the younger side, and fewer adults hold a four-year degree than you might guess given the incomes. Winters are mild and cool, while summers get hot, and rain is light with little or no snow.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, and in the building trades. Among the largest workplaces in Oakley are Oakley Union Elementary Schools, UPS and Raleys. Typical commutes are long, which suggests that many people travel out of town for work, though some work from home.
Things to do. Big Break Regional Shoreline is a park in or beside town, and Marsh Creek runs through or beside Oakley as well. A short drive away are the Sacramento River and the San Joaquin River, along with Antioch Dunes National Wildlife Refuge, a protected area. For a longer outing, John Muir National Historic Site is a museum a longer drive away.
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- 13,685households
- 24%of adults have a degree
- 6%below the poverty line
- 40 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Contra Costa County had 374,448 jobs in 2025, 0.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 56° and lows near 40°; warmest in July, with highs near 91° and lows near 61°. About 13 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Antioch Pumping Plt #3 weather station, 3 miles away (NOAA).
Largest workplaces in Oakley
- Oakley Union Elementary SchoolsSchool district513FTE
- UPSCouriers and express delivery services220
- LW NoshBakeries with baking from flour on the premises, retailing not for immediate consumption53
- RaleysSupermarkets and other grocery retailers52
- OakleyMail and parcel delivery45
- Cypress HousePsychiatric and substance abuse hospitals36
- Diablo Water District - Corporation YardWater supply systems21
- Medical Center For BirdsVeterinary clinics20
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 447 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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
- EarthquakesRelatively high
- Inland floodingRelatively high
- Heat wavesrelatively high in parts of OakleyRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oakley’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 Contra Costa County and the San Francisco-Oakland-Berkeley, CA metro.
Oakley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oakley$653,563
- 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 3 Oakley listings, and the typical home goes pending in 28 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.
- Oakley29.72%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Oakley28
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oakley111
New listings per month
Sellers arriving at the market.
- Oakley36
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Oakley$645,697
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Oakley100.47%
Zip codes with a Oakley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oakley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.