Español

Este sitio también está en español. Leer en español

City · 158,801 residents · Alameda County, California

Hayward , California

In Hayward, a typical home is worth $854,400 and typical rent is $2,391 a month. Compared with all of Alameda County, the typical home value is 22% lower and typical household income is 12% lower.

WhatsApp

  • Typical home value

    $854,400

    22% below the county

    16% above California

    • Hayward
    • Alameda
    • California

  • Typical rent

    $2,391a month

    About the same as the county

    17% above California

    • Hayward
    • Alameda
    • California

  • Typical household income

    $113,318a year

    12% below the county

    14% above California

    • Hayward
    • Alameda
    • California

  • Households that own their home

    58%

    4 points above the county

    2 points above California

    • Hayward
    • Alameda
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$816,424
2.4% less than 12 months ago
Typical rent
$2,652 a month
3.9% more than 12 months ago

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

Hayward 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 Hayward apart

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

  1. Nearby, in Cherryland, the typical home value is $668,800: 22% less than in Hayward ($854,400).

  2. The typical home in Hayward is worth $854,400, 22% less than in Alameda County as a whole ($1,090,100).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Hayward fell 2.4%; in California, it rose 0.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Hayward

What homes there are in Hayward, 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 Hayward, 5 in 10 homes are single-family detached houses, about the same as in Alameda County.

In Hayward there are many mobile homes: 5% of homes; in Alameda County, 1%.

Year built

In Hayward, half of the homes were built before 1972; in Alameda County, before 1969.

Homes in Hayward are bigger: 54% 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

At least 72% of owner-occupied homes in Hayward are worth less than $1,000,000, below the FHA loan limit for Alameda County ($1,249,125).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Alameda County is $2,805; about 71% of rents in Hayward are below it.

With a mortgage

$3,208 a month

Alameda County: $3,810 a month

Without a mortgage

$832 a month

Alameda County: $1,000 a month

Owners with a mortgage

69%

Alameda County: 70%

The typical cost for an owner with a mortgage in Hayward is $3,208 a month, less than in Alameda County ($3,810); without one, $832.

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

Since 2015–2019, homes in Hayward gained value faster than in Alameda County: 47% against 42%.

The typical rent in Hayward rose 31% since 2015–2019, about the same as in Alameda County (31%).

The typical household income in Hayward rose 31% over that time; home values changed +47% and rent +31%.

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

MeasureHaywardAlameda CountyCaliforniaUnited States
Rental vacancy 5.4%5.7%4.2%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room 12.9%7.3%8.2%3.4%
People per household 3.132.702.842.53
Drive alone 65%53%66%69%
Carpool 13%8%10%9%
Public transit 4%8%3%3%
Walk or bike 2%4%3%3%
Work from home 14%26%17%15%
Other means 2%2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Alameda County, the rental vacancy rate in Hayward is 5.4%.

More households are short on space in Hayward: 12.9% have more than one person per room; in Alameda County, 7.3%.

On average, a household in Hayward has 3.13 people, more than in Alameda County (2.70).

In Hayward, 13% of workers share a car to get to work; in Alameda County, 8%.

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 Hayward?

A typical home costs more than the typical income allows

We start with a typical home in Hayward, worth $854,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in Hayward, which is $113,318 a year. For that payment to be 28% of income, a household would need to earn about $295,462 a year.

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 Hayward. 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 $29,904 (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

$6,894

at 7.18% · 30 years

Loan amount
$838,925
Total interest
$1,207,016
Paid off in
November 2056

Includes $14,429 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,644 a month

  • Tight

    $2,644 to $3,400 a month

  • Hard

    more than $3,400 a month

    Your payment · 73%

Compared with the typical household income in Hayward ($113,318 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,894
Principal & interest$5,683
Property tax$477
Home insurance$356
FHA mortgage insurance (MIP)$378

You need at least $29,904 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

Hayward and Alameda County

Hayward 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).

Hayward's own numbers

Typical home value
$854,400
Typical monthly rent
$2,391
Typical yearly household income
$113,318
Households that own their home
58%
Effective property tax rate
0.67%

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 Hayward

A typical home in Hayward is worth $854,400: 22% below the county and 16% above California. With the typical household income in Hayward ($113,318 a year), a typical home costs 7.5 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.

  • Hayward 7.5 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

Hayward 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
  • Hayward $854,400
  • Alameda $1,090,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Hayward $2,391
  • Alameda $2,357
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Hayward $113,318
  • Alameda $129,367
  • California $99,122
  • United States $80,734
See the full table
Hayward next to Alameda County and California
Measure Hayward Alameda County California U.S.
Typical home value $854,400 $1,090,100 $734,700 $332,700
Typical monthly rent $2,391 $2,357 $2,036 $1,413
Typical yearly household income $113,318 $129,367 $99,122 $80,734
Households that own their home 58% 54% 56% 65%
Typical yearly property tax $5,739 $8,474 $5,124 $3,119
Effective property tax rate 0.67% 0.78% 0.7% 0.94%
Renters with high rent for their income 54% 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 Hayward

For a typical $854,400 home in Hayward, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hayward's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,894a month

    Least cash to close
    Down payment
    $29,904
    Cash to close
    $55,536
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $378

  • Conventional, 5% down $6,737a month

    Down payment
    $42,720
    Cash to close
    $68,352
    Rate
    7.18%
    Mortgage insurance
    PMI · $406

  • Conventional, 20% down, no PMI $5,463a month

    Down payment
    $170,880
    Cash to close
    $196,512
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,253a month

    Down payment
    $128,160
    Cash to close
    $153,792
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • 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 Hayward and for Alameda County.

Property tax

Effective rate in Hayward

0.67%of the home’s value each year

$5,739 a year for the typical owner in Hayward.

  • Hayward 0.67%
  • 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 Hayward

Typical rent in Hayward is $2,391 a month: about the same as the county. In Hayward, 54% 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 Hayward

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

For 2 bedrooms it runs from $2,800 in 94544 to $3,070 in 94587.

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

  • 94542 $3,060$3,920
  • 94544 $2,800$3,590
  • 94545 $2,930$3,750
  • 94587 $3,070$3,930

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hayward 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 Hayward

HUD lists 27 buildings with rents for lower incomes in Hayward. These are the largest.

  • Lord Tennyson Apts 2191 W Tennyson Rd, Hayward 94545 252 homes, 249 low-income · 2 bd: 196 · 3 bd: 48 · 4 bd: 8 · In service since 2006 · For families
  • Hayward Senior Apts 22084 Arbor Ave, Hayward 94541 151 homes, 150 low-income · 1 bd: 131 · 2 bd: 20 · In service since 2006 · For older adults
  • Josephine Lum Lodge 2747 Oliver Dr, Hayward 94545 150 homes, 148 low-income · Studio: 90 · 1 bd: 50 · 2 bd: 9 · In service since 2006 · For older adults (510) 782-2311
  • Hayward Four - Scattered-Site 742 Harris Ct, Hayward 94544 118 homes, 105 low-income · 1 bd: 28 · 2 bd: 53 · 3 bd: 37 · In service since 2017
  • Eden Issei Terrace 200 Fagundes St, Hayward 94544 125 homes, 100 low-income · For older adults (510) 785-2296

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

Free help

Help to buy or rent in Hayward

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 man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Hayward

No down payment, repair or rent-help program on our list is for Hayward or Alameda County. The ones below are statewide in California: they work in Hayward 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 Hayward

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

  • Eden Council for Hope and Opportunity (ECHO)

    22551 2nd St Ste 200, Hayward · 4 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    • and 2 more
    (510) 581-9380

  • A-1 Community Housing Services

    22320 Foothill Blvd Ste 200, Hayward · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 674-9227

  • Nid-Hca Oakland Main Branch

    7677 Oakport St, Oakland · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (510) 268-9792

Every agency in Alameda County All counseling agencies in California

Help in Spanish near Hayward

3 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 Hayward

HUD’s record names them for Hayward 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 Hayward, 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 Hayward.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Hayward

Short answers with the numbers for Hayward 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 Hayward?

The typical home value in Hayward is $854,400, 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 Hayward?

Typical rent in Hayward is $2,391 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 Hayward?

Hayward 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 Hayward?

The typical homeowner in Hayward pays $5,739 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Alameda County, the rate is 0.78%.

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

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).