Alameda County, California home prices
Typical home $1,044,951 · -0.4% in a year · property tax 0.78%
The typical home in Alameda County is worth $1,044,951, 37% more than the California typical home ($761,538). Values changed -0.4% in the past year and +1.1% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($8,123 on the typical home), versus 0.72% statewide.
Mortgage on the typical Alameda County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $208,990 | $835,961 | $5,624 | $0 | $1,199 | $6,823 | $292,400 |
| 10% down | $104,495 | $940,456 | $6,327 | $392 | $1,199 | $7,918 | $339,300 |
| 5% down | $52,248 | $992,703 | $6,678 | $414 | $1,199 | $8,291 | $355,300 |
| 3.5% down (FHA) | $36,573 | $1,026,024 | $6,902 | $462 | $1,199 | $8,564 | $367,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the San Francisco metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Santa Barbara County | $988,595 | +4.3% | 0.65% |
| Santa Cruz County | $1,136,188 | +4.8% | 0.64% |
| San Diego County | $926,979 | +0.8% | 0.68% |
| Orange County | $1,174,873 | +3.2% | 0.66% |
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
| Los Angeles County | $871,674 | +0.4% | 0.68% |
| Ventura County | $869,794 | +1.1% | 0.68% |
| Napa County | $869,491 | -1.0% | 0.69% |
| Monterey County | $841,129 | +1.2% | 0.63% |
| Sonoma County | $782,980 | +0.8% | 0.7% |
Frequently asked questions
What is the average home price in Alameda County, CA?
The typical home value in Alameda County is $1,044,951 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Alameda County?
About $292,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Alameda County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).