San Ramon, California.
Typical home $1,447,415 (-3.0% in a year), asking rent $3,121 (+6.2%). San Francisco-Oakland-Berkeley, CA metro.
to buy the typical home at today's mortgage rate — +$3,902 (+106%) since Jan 2020.
- 1 year
- Down $44,780 -3%
- $1,492,196$1,447,415 since Sep 2025
- 5 years
- Up $91,091 +7%
- $1,356,324$1,447,415 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.
- San Ramon$7,597
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 53 years.
Typical home values in San Ramon, CA fell 3.0% over the past year — slower than the nation's +1.2%.
Asking rents in San Ramon, CA rose 6.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in San Ramon runs $7,021/mo more than renting one. The gap peaked at $8,422 in Jan 2025.
That is $10,142 a month against $3,121 rent: a $7,597 mortgage payment, plus $996 property tax and $1,550 insurance & upkeep.
Owning vs renting — San Ramon
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$10,142
- Renting$3,121
- Mortgage only$7,597
Property tax · $996/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 · $1,550/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 San Ramon, Contra Costa County, California
San Ramon is a city of 84,605 people in Contra Costa County. Half its households earn more than $196,161 a year and half less, against $127,229 across Contra Costa County; 4% of its people live below the poverty line. 71% of its homes are lived in by their owners and 29% are rented. Unemployment in San Ramon was 4.8% in August 2026, and Contra Costa County had 0.1% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
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. San Ramon is a city whose residents are somewhat older than in many places, with most adults holding a four-year degree. Incomes run well above the county's, relatively few people live below the poverty line, and most homes are lived in by their owners. Homes are costly to buy and to rent, and winters are mild and mostly rainy, with snow a rarity and summers that turn warm.
Work. Many residents work in professional and business services, in schools, hospitals and social care, and in manufacturing and retail. A good number work from home, and those who travel to a job face a fairly long commute. Among the largest workplaces in San Ramon are UPS, Lennar Bay Area and Safeway.
Things to do. The wider Bay Area is within reach, though each of these places is a longer drive away. Golden Gate Park is a large garden in San Francisco, the California Academy of Sciences there is an aquarium and science museum, and the San Francisco Museum of Modern Art is an art museum. Baseball fans can look to Oracle Park, a stadium that is also a longer drive.
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- 30,103households
- 72%of adults have a degree
- 4%below the poverty line
- 35 mintypical commute
- 34%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 December, with highs near 53° and lows near 41°; warmest in August, with highs near 83° and lows near 61°. About 1 inches of snow and 26 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mount Diablo Junction weather station, 8 miles away (NOAA).
Largest workplaces in San Ramon
- UPSCouriers and express delivery services476
- Lennar Bay AreaHousing construction, for-sale builder269
- TargetDiscount department stores253
- SafewaySupermarkets and other grocery stores148
- San RamonMail and parcel delivery138
- San Ramon129
- WalmartSupermarkets and other grocery stores124
- Valent USAPesticides manufacturing120
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 36 workplaces with 20 or more staff, 3,261 people in all. 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
- WildfireRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in San Ramon’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.
San Ramon home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- San Ramon$1,447,415
- 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 San Ramon listings, and the typical home goes pending in 33 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.
- San Ramon30.79%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- San Ramon33
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- San Ramon189
New listings per month
Sellers arriving at the market.
- San Ramon51
Median sale price
What buyers actually paid — closed sales, not asking prices.
- San Ramon$1,472,268
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- San Ramon99.48%
Zip codes with a San Ramon address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls San Ramon — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in San Ramon
| 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 |
|---|---|---|---|---|
| 94582 | San Ramon | 47,424 | $3,402 | $1,664,501 |
| 94583 | San Ramon | 39,583 | $2,930 | $1,331,929 |