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City · 228,295 residents · Alameda County, California

Fremont , California

In Fremont, a typical home is worth $1,403,800 and typical rent is $2,933 a month. Compared with all of Alameda County, typical household income is 40% higher, the typical home value is 29% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $1,403,800

    29% above the county

    91% above California

    • Fremont
    • Alameda
    • California

  • Typical rent

    $2,933a month

    24% above the county

    44% above California

    • Fremont
    • Alameda
    • California

  • Typical household income

    $181,506a year

    40% above the county

    83% above California

    • Fremont
    • Alameda
    • California

  • Households that own their home

    61%

    6 points above the county

    5 points above California

    • Fremont
    • Alameda
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,439,805
1.5% less than 12 months ago
Typical rent
$3,388 a month
6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Fremont is in Alameda County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Alameda County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fremont apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Fremont is $181,506, 40% more than in Alameda County as a whole ($129,367).

  2. The typical home in Fremont is worth $1,403,800, 29% more than in Alameda County as a whole ($1,090,100).

  3. Nearby, in Union City, the typical home value is $1,104,900: 21% less than in Fremont ($1,403,800).

  4. The typical rent in Fremont is $2,933 a month, 24% more than in Alameda County as a whole ($2,357).

  5. 61% of households in Fremont own their home, against 54% in Alameda County.

  6. Fremont has the 54th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (43%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fremont

What homes there are in Fremont, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Fremont, 6 in 10 homes are single-family detached houses; in Alameda County, 5.

Year built

The typical home in Fremont was built in 1979, 10 years after the typical one in Alameda County.

Homes in Fremont are bigger: 63% have 3 bedrooms or more; in Alameda County, 50%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $1,249,125, at least 21% of owner-occupied homes in Fremont sit below it: they are worth less than $1,000,000.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($2,805), about 44% of rented homes in Fremont cost less.

With a mortgage

$4,000 or more a month

Alameda County: $3,810 a month

Without a mortgage

$1,003 a month

Alameda County: $1,000 a month

Owners with a mortgage

71%

Alameda County: 70%

With a mortgage, the typical cost of owning in Fremont is $4,000 or more a month, the highest group the Census publishes. Without one, $1,003.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Fremont rose 51% since 2015–2019, more than in Alameda County (42%).

Since 2015–2019, the typical rent in Fremont rose 25%, less than in Alameda County (31%).

The typical household income in Fremont rose 36% over that time; home values changed +51% and rent +25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFremontAlameda CountyCaliforniaUnited States
Rental vacancy 4.8%5.7%4.2%5.5%
Homeowner vacancy 1.0%0.8%0.8%0.9%
More than one person per room 8.6%7.3%8.2%3.4%
People per household 2.902.702.842.53
Drive alone 54%53%66%69%
Carpool 7%8%10%9%
Public transit 4%8%3%3%
Walk or bike 2%4%3%3%
Work from home 32%26%17%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Fremont look like those in Alameda County: the rental vacancy rate is 4.8%.

More households are short on space in Fremont: 8.6% have more than one person per room; in Alameda County, 7.3%.

On average, a household in Fremont has 2.90 people, more than in Alameda County (2.70).

In Fremont, 32% of workers work from home, more than in Alameda County (26%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fremont?

A typical home costs more than the typical income allows

We start with a typical home in Fremont, worth $1,403,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 76% of the typical household income in Fremont, which is $181,506 a year. For that payment to be 28% of income, a household would need to earn about $494,124 a year. Note: at that price the loan is above the FHA limit for Alameda County ($1,249,125), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Alameda County.

Your numbers

Local data
$

Starts at the typical home value in Fremont. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $49,133 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$11,530

at 7.18% · 30 years

Loan amount
$1,378,374
Total interest
$1,983,156
Paid off in
November 2056

Includes $23,707 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,235 a month

  • Tight

    $4,235 to $5,445 a month

  • Hard

    more than $5,445 a month

    Your payment · 76%

Compared with the typical household income in Fremont ($181,506 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$11,530
Principal & interest$9,338
Property tax$760
Home insurance$585
FHA mortgage insurance (MIP)$847

This loan is over the FHA limit

You'd borrow $1,354,667, but the FHA limit for a one-unit home in Fremont is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $49,133 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fremont and Alameda County

Fremont is in Alameda County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fremont's own numbers

Typical home value
$1,403,800
Typical monthly rent
$2,933
Typical yearly household income
$181,506
Households that own their home
61%
Effective property tax rate
0.65%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Alameda County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,805
Price change over 5 years (FHFA)
+23%
Homes in a high flood-risk zone
1.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Alameda County.

Everything about Alameda County

Buying

Buying a home in Fremont

A typical home in Fremont is worth $1,403,800: 29% above the county and 91% above California. With the typical household income in Fremont ($181,506 a year), a typical home costs 7.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Fremont 7.7 years
  • Alameda 8.4 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Alameda County

According to FHFA’s house price index, home prices in Alameda County rose 62% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Alameda County.

Period County California U.S.
Last year (2025) −1.9% +0.8% +2.9%
5 years (2020–2025) +23% +40% +47%
10 years (2015–2025) +62% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fremont next to Alameda County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Fremont $1,403,800
  • Alameda $1,090,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Fremont $2,933
  • Alameda $2,357
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Fremont $181,506
  • Alameda $129,367
  • California $99,122
  • United States $80,734
See the full table
Fremont next to Alameda County and California
Measure Fremont Alameda County California U.S.
Typical home value $1,403,800 $1,090,100 $734,700 $332,700
Typical monthly rent $2,933 $2,357 $2,036 $1,413
Typical yearly household income $181,506 $129,367 $99,122 $80,734
Households that own their home 61% 54% 56% 65%
Typical yearly property tax $9,190 $8,474 $5,124 $3,119
Effective property tax rate 0.65% 0.78% 0.7% 0.94%
Renters with high rent for their income 43% 50% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Alameda County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fremont

For a typical $1,403,800 home in Fremont, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fremont's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $11,530a month

    Above the FHA limit for Alameda County ($1,249,125)
    Down payment
    $49,133
    Cash to close
    $91,247
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $847

  • Conventional, 5% down $11,046a month

    Above the conventional limit for Alameda County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $70,190
    Cash to close
    $112,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $667

  • Conventional, 20% down, no PMI $8,953a month

    Least cash to close
    Down payment
    $280,760
    Cash to close
    $322,874
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $10,251a month

    Down payment
    $210,570
    Cash to close
    $252,684
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 20% down, no PMI.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fremont and for Alameda County.

Property tax

Effective rate in Fremont

0.65%of the home’s value each year

$9,190 a year for the typical owner in Fremont.

  • Fremont 0.65%
  • Alameda 0.78%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Alameda County

FEMA does not publish these numbers by city: they are for all of Alameda County.

Homes in the high-risk zone
1.7%
6,841
Of those, with NFIP insurance
36%
County California U.S.
Homes in the high-risk zone 1.7% 2.8% 3.5%
Of those, with NFIP insurance 36% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fremont

Typical rent in Fremont is $2,933 a month: 24% above the county. In Fremont, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Alameda County, by unit size. To pay the 2-bedroom one ($2,805 a month) without spending more than 30% of your income, you would need to earn $53.94 an hour working full time.

HUD fair market rent for all of Alameda County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,088 $40.15 $83,520
1 bedroom $2,290 $44.04 $91,600
2 bedrooms $2,805 $53.94 $112,200
3 bedrooms $3,592 $69.08 $143,680
4 bedrooms $4,250 $81.73 $170,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fremont

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fremont has 4 ZIP codes with their own.

For 2 bedrooms it runs from $3,440 in 94536 to $3,830 in 94555.

4 of the 4 are above the fair market rent for Alameda County ($2,805).

  • 94536 $3,440$4,410
  • 94538 $3,540$4,530
  • 94539 $3,800$4,870
  • 94555 $3,830$4,910

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fremont when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Fremont

HUD lists 31 buildings with rents for lower incomes in Fremont. These are the largest.

  • Maple Square Apt Homes 4163 Baine Ave, Fremont 94536 132 homes, 130 low-income · Studio: 15 · 1 bd: 40 · 2 bd: 38 · 3 bd: 39 · In service since 2006 · For families
  • Sundale Arms 39150 Sundale Dr, Fremont 94538 132 homes, 130 low-income · 1 bd: 40 · 2 bd: 72 · 3 bd: 20 · In service since 1998
  • Warm Springs Inclusionary 44728 Old Warm Springs Blvd, Fremont 94538 102 homes, 101 low-income · 1 bd: 51 · 2 bd: 47 · 3 bd: 4 · In service since 2020
  • Irvington Family Apts 4109 Broadmoor Cmn, Fremont 94538 100 homes, 99 low-income · 1 bd: 25 · 2 bd: 36 · 3 bd: 39 · In service since 2007 · For families
  • Century Village Apts 41299 Paseo Padre Pkwy, Fremont 94539 99 low-income homes · 1 bd: 16 · 2 bd: 84 · In service since 2013

See all 336 buildings in Alameda County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fremont

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 7 HUD-approved agencies with an office in Alameda County; 7 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Fremont

No down payment, repair or rent-help program on our list is for Fremont or Alameda County. The ones below are statewide in California: they work in Fremont the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Fremont

The HUD-approved agencies closest to the center of Fremont, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Project Sentinel

    1490 El Camino Real, Santa Clara · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (408) 470-3730

  • Habitat for Humanity East Bay/Silicon Valley - Milpitas

    1608 Las Plumas Ave, San Jose · 10 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (510) 803-3362

  • Santa Clara County Asian Law Alliance

    991 W Hedding St, San Jose · 11 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, Korean, and Vietnamese.

    • Fair housing pre-purchase workshops
    • Homelessness services
    • and 2 more
    (408) 287-9710

Every agency in Alameda County All counseling agencies in California

Help in Spanish near Fremont

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fremont

HUD’s record names them for Fremont or Alameda County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Alameda Public housing and Section 8 vouchers (510) 538-8876

5 other authorities have an office in Alameda County: see the list Source: HUD

Cities

Other cities in Alameda County

These cities are also in Alameda County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Alameda County Housing in California
See 6 more cities in Alameda County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Fremont, with the typical home value.

Neighboring counties

If Alameda County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fremont.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Fremont

Short answers with the numbers for Fremont and all of Alameda County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Fremont?

The typical home value in Fremont is $1,403,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Alameda County it is $1,090,100.

How much does it cost to rent in Fremont?

Typical rent in Fremont is $2,933 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Alameda County is $2,805.

What is the FHA loan limit in Fremont?

Fremont uses the FHA limit for all of Alameda County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Fremont?

The typical homeowner in Fremont pays $9,190 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Alameda County, the rate is 0.78%.

Where can I find free help to buy or rent in Fremont?

There are 7 HUD-approved counseling agencies with an office in Alameda County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).