City · 85,522 residents · Alameda County, California
Livermore, California
In Livermore, a typical home is worth $1,105,600 and typical rent is $2,677 a month. Compared with all of Alameda County, typical household income is 24% higher, typical rent is 14% higher, and the share of households that own their home is 18 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,020,302 to $1,071,869.
Typical rent
$3,066a month
▲ 5.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,668 to $3,066.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Livermore 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
What this place has that others do not, from public data, most unusual first.
1
72% of households in Livermore own their home, against 54% in Alameda County.
2
The typical household income in Livermore is $160,775,24% more than in Alameda County as a whole ($129,367).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Livermore
What homes there are in Livermore, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Livermore
Alameda County
California
United States
Kind of home: Livermore and its comparisons
Measure
Livermore
Alameda County
California
United States
Detached house
69%
51%
57%
61%
Attached house
12%
9%
7%
6%
Building of 2 to 4
3%
10%
8%
8%
Apartments (5 or more)
14%
29%
24%
19%
Mobile home
1%
1%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 69% of homes here, against 51% in Alameda County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Livermore
Alameda County
California
United States
Year built: Livermore and its comparisons
Measure
Livermore
Alameda County
California
United States
Before 1960
16%
39%
27%
26%
1960–1979
36%
27%
29%
24%
1980–1999
27%
19%
25%
25%
2000–2009
11%
7%
11%
14%
2010 or later
9%
8%
8%
11%
Here half of the homes date from 1979 or later; in Alameda County, from 1969 or later.
In Livermore, 75% of homes have 3 bedrooms or more, more than in Alameda County (50%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200K1%
$200K–$300KUnreliable
$300K–$500K1%
$500K–$750K7%
$750K–$1M25%
$1M or more63%
Value of owner-occupied homes: Livermore and its comparisons
Measure
Livermore
Under $100K
3%
$100K–$200K
1%
$200K–$300K
Unreliable estimate
$300K–$500K
1%
$500K–$750K
7%
$750K–$1M
25%
$1M or more
63%
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$9996%
$1,000–$1,4995%
$1,500–$1,99910%
$2,000–$2,49917%
$2,500–$2,99922%
HUD fair market rent, 2 bedrooms: $2,805
$3,000 or more36%
Monthly rent with utilities: Livermore and its comparisons
Measure
Livermore
Under $500
4%
$500–$999
6%
$1,000–$1,499
5%
$1,500–$1,999
10%
$2,000–$2,499
17%
$2,500–$2,999
22%
$3,000 or more
36%
HUD's 2-bedroom fair market rent (FMR) for Alameda County is $2,805: about 56% of rents in Livermore are below it.
With a mortgage
$3,932 a month
Alameda County: $3,810 a month
Without a mortgage
$947 a month
Alameda County: $1,000 a month
Owners with a mortgage
75%
Alameda County: 70%
The typical cost for an owner with a mortgage in Livermore is $3,932 a month, near the figure in Alameda County ($3,810).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Livermore+49%
Alameda County+42%
California+46%
United States+53%
Typical rent
Livermore+30%
Alameda County+31%
California+36%
United States+33%
Typical household income
Livermore+26%
Alameda County+30%
California+32%
United States+29%
Change since 2015–2019: Livermore and its comparisons
Measure
Livermore
Alameda County
California
United States
Typical home value
+49%
+42%
+46%
+53%
Typical rent
+30%
+31%
+36%
+33%
Typical household income
+26%
+30%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Livermore rose 49%; in Alameda County, it rose 42%.
Rents in Livermore rose at about the same pace as in Alameda County: 30% since 2015–2019, against 31%.
Here income did not keep up with housing: it rose 26%, while home values changed +49% and rent +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Livermore and its comparisons
Measure
Livermore
Alameda County
California
United States
Rental vacancy
Unreliable estimate
5.7%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
3.1%
7.3%
8.2%
3.4%
People per household
2.74
2.70
2.84
2.53
Drive alone
64%
53%
66%
69%
Carpool
8%
8%
10%
9%
Public transit
3%
8%
3%
3%
Walk or bike
2%
4%
3%
3%
Work from home
22%
26%
17%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Livermore, 3.1% of households live with more than one person per room, against 7.3% in Alameda County.
Much as in Alameda County, a household in Livermore has 2.74 people on average.
In Livermore, 64% of workers drive alone to work; in Alameda County, 53%.
Do the math
What would you pay each month for a home in Livermore?
A typical home costs more than the typical income allows
We start with a typical home in Livermore, worth $1,105,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Livermore, which is $160,775 a year. For that payment to be 28% of income, a household would need to earn about $393,899 a year.
The calculator's FHA and conventional loan limits are those of all of Alameda County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Livermore. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $38,696 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$9,191
at 7.18% · 30 years
Loan amount
$1,085,575
Total interest
$1,561,887
Paid off in
November 2056
Includes $18,671 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,751 a month
Tight
$3,751 to $4,823 a month
Hard
more than $4,823 a month
Your payment · 69%
Compared with the typical household income in Livermore ($160,775 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$7,354
Property tax
$709
Home insurance
$461
FHA mortgage insurance (MIP)
$667
You need at least $38,696 for the down payment, plus closing costs.
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.
Total monthly payment $9,191; principal and interest $7,354.
The city and its county
Livermore and Alameda County
Livermore 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).
Livermore
Map of Alameda County, California, with Livermore marked. Around it, the neighboring counties.
Livermore
Alameda County
Other cities with a page
Livermore's own numbers
Typical home value
$1,105,600
Typical monthly rent
$2,677
Typical yearly household income
$160,775
Households that own their home
72%
Effective property tax rate
0.77%
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.
A typical home in Livermore is worth $1,105,600: about the same as the county and 50% above California. With the typical household income in Livermore ($160,775 a year), a typical home costs 6.9 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.
Livermore6.9 years
Alameda8.4 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Alameda County, 2016 to 2025
2016: +11.4% +11.4% 2016
2017: +7.0% +7.0% 2017
2018: +9.0% +9.0% 2018
2019: +1.2% +1.2% 2019
2020: 0.0% 0.0% 2020
2021: +9.8% +9.8% 2021
2022: +13.2% +13.2% 2022
2023: −0.3% −0.3% 2023
2024: +1.4% +1.4% 2024
2025: −1.9% −1.9% 2025
Change in FHFA’s price index in Alameda County, California and the United States
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
Livermore 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
Livermore$1,105,600
Alameda$1,090,100
California$734,700
United States$332,700
Typical monthly rent
Livermore$2,677
Alameda$2,357
California$2,036
United States$1,413
Typical yearly household income
Livermore$160,775
Alameda$129,367
California$99,122
United States$80,734
See the full table
Livermore next to Alameda County and California
Measure
Livermore
Alameda County
California
U.S.
Typical home value
$1,105,600
$1,090,100
$734,700
$332,700
Typical monthly rent
$2,677 ▲14% above the county
$2,357
$2,036
$1,413
Typical yearly household income
$160,775 ▲24% above the county
$129,367
$99,122
$80,734
Households that own their home
72% ▲18 points above the county
54%
56%
65%
Typical yearly property tax
$8,531
$8,474
$5,124
$3,119
Effective property tax rate
0.77% ▼0.01 points below the county
0.78%
0.7%
0.94%
Renters with high rent for their income
55% ▲5 points above the county
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 Livermore
For a typical $1,105,600 home in Livermore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Livermore's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$9,191a month
Least cash to close
Down payment
$38,696
Cash to close
$71,864
Rate
7.18%
Mortgage insurance
FHA MIP · $667
Conventional, 5% down$8,810a month
Down payment
$55,280
Cash to close
$88,448
Rate
7.18%
Mortgage insurance
PMI · $525
Conventional, 20% down, no PMI$7,162a month
Down payment
$221,120
Cash to close
$254,288
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$8,184a month
Down payment
$165,840
Cash to close
$199,008
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Livermore
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$9,191
$38,696
$1,085,575
7.18%
FHA MIP · $667
$71,864
580
Conventional, 5% down
$8,810
$55,280
$1,050,320
7.18%
PMI · $525
$88,448
620*
Conventional, 20% down, no PMI
$7,162
$221,120
$884,480
7.18%
None
$254,288
620*
ITIN, 15% down (example)
$8,184
$165,840
$939,760
8.18%
None
$199,008
Set by the lender
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.
Typical rent in Livermore is $2,677 a month: 14% above the county. In Livermore, 55% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Alameda County (Fiscal year 2027)
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 Livermore
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Livermore has 2 ZIP codes with their own.
For 2 bedrooms it runs from $3,100 in 94551 to $3,200 in 94550.
2 of the 2 are above the fair market rent for Alameda County ($2,805).
Fair market rent by ZIP code and size in Livermore, fiscal year 2027.
94550
$2,380
$2,610
$3,200
$4,100
$4,850
94551
$2,310
$2,530
$3,100
$3,970
$4,700
ZIP code2 bd3 bd
94550 $3,200$4,100
94551 $3,100$3,970
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Livermore 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 15 buildings with rents for lower incomes in Livermore. These are the largest.
Heritage Estates Retirement Community900 E Stanley Blvd, Livermore 94550250 homes, 103 low-income · 1 bd: 103 · In service since 2004 · For older adults
Arbor Vista1300 S Livermore Ave, Livermore 9455080 homes, 79 low-income · For older adults(925) 454-9605
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.
No down payment, repair or rent-help program on our list is for Livermore or Alameda County. The ones below are statewide in California: they work in Livermore the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Livermore or Alameda County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Livermore 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 Livermore?
The typical home value in Livermore is $1,105,600, 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 Livermore?
Typical rent in Livermore is $2,677 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 Livermore?
Livermore 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 Livermore?
The typical homeowner in Livermore pays $8,531 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Alameda County, the rate is 0.78%.
Where can I find free help to buy or rent in Livermore?
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.
