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City · 439,418 residents · Alameda County, California

Oakland , California

In Oakland, a typical home is worth $929,900 and typical rent is $1,979 a month. Compared with all of Alameda County, typical household income is 21% lower, typical rent is 16% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $929,900

    15% below the county

    27% above California

    • Oakland
    • Alameda
    • California

  • Typical rent

    $1,979a month

    16% below the county

    3% below California

    • Oakland
    • Alameda
    • California

  • Typical household income

    $101,600a year

    21% below the county

    2% above California

    • Oakland
    • Alameda
    • California

  • Households that own their home

    42%

    12 points below the county

    14 points below California

    • Oakland
    • Alameda
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$710,647
0.6% more than 12 months ago
Typical rent
$2,758 a month
10.8% more than 12 months ago

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

Oakland 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 Oakland apart

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

  1. Nearby, in Emeryville, the typical home value is $604,800: 35% less than in Oakland ($929,900).

  2. The typical household income in Oakland is $101,600, 21% less than in Alameda County as a whole ($129,367).

  3. 42% of households in Oakland own their home, against 54% in Alameda County.

  4. The typical rent in Oakland is $1,979 a month, 16% less than in Alameda County as a whole ($2,357).

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

The homes here

Housing in Oakland

What homes there are in Oakland, 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

No kind of home is the majority in Oakland; the largest group, detached houses, adds up to 42%, less than in Alameda County (51%).

Year built

In Oakland, half of the homes were built before 1953; in Alameda County, before 1969.

In Oakland, 32% of homes have 1 bedroom or none (studios); 34% have 3 bedrooms or more, against 50% in Alameda County.

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

The FHA limit for Alameda County is high ($1,249,125): at least 56% of owner-occupied homes in Oakland are worth less than $1,000,000.

Monthly rent with utilities

By rent, most homes in Oakland cost less than HUD's 2-bedroom fair market rent ($2,805): about 77%.

With a mortgage

$3,684 a month

Alameda County: $3,810 a month

Without a mortgage

$1,057 a month

Alameda County: $1,000 a month

Owners with a mortgage

73%

Alameda County: 70%

The typical cost for an owner with a mortgage in Oakland is $3,684 a month, near the figure in Alameda County ($3,810).

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

Homes in Oakland gained value more slowly than in Alameda County: 35% since 2015–2019, against 42%.

Rents in Oakland rose faster than in Alameda County: 37% since 2015–2019, against 31%.

The typical household income in Oakland rose 38% over that time; home values changed +35% and rent +37%.

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

MeasureOaklandAlameda CountyCaliforniaUnited States
Rental vacancy 6.0%5.7%4.2%5.5%
Homeowner vacancy 0.9%0.8%0.8%0.9%
More than one person per room 7.8%7.3%8.2%3.4%
People per household 2.452.702.842.53
Drive alone 47%53%66%69%
Carpool 8%8%10%9%
Public transit 13%8%3%3%
Walk or bike 5%4%3%3%
Work from home 27%26%17%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Oakland, the rental vacancy rate is 6.0%, about the same as in Alameda County.

Much as in Alameda County, 7.8% of households in Oakland have more than one person per room.

On average, a household in Oakland has 2.45 people, fewer than in Alameda County (2.70).

More people ride a bus or train to work in Oakland than in Alameda County: 13% against 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 Oakland?

A typical home costs more than the typical income allows

We start with a typical home in Oakland, worth $929,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 93% of the typical household income in Oakland, which is $101,600 a year. For that payment to be 28% of income, a household would need to earn about $336,283 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 Oakland. 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 $32,547 (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

$7,847

at 7.18% · 30 years

Loan amount
$913,057
Total interest
$1,313,674
Paid off in
November 2056

Includes $15,704 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,371 a month

  • Tight

    $2,371 to $3,048 a month

  • Hard

    more than $3,048 a month

    Your payment · 93%

Compared with the typical household income in Oakland ($101,600 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,847
Principal & interest$6,185
Property tax$713
Home insurance$388
FHA mortgage insurance (MIP)$561

You need at least $32,547 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

Oakland and Alameda County

Oakland 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).

Oakland's own numbers

Typical home value
$929,900
Typical monthly rent
$1,979
Typical yearly household income
$101,600
Households that own their home
42%
Effective property tax rate
0.92%

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 Oakland

A typical home in Oakland is worth $929,900: 15% below the county and 27% above California. With the typical household income in Oakland ($101,600 a year), a typical home costs 9.2 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.

  • Oakland 9.2 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

Oakland 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
  • Oakland $929,900
  • Alameda $1,090,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Oakland $1,979
  • Alameda $2,357
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Oakland $101,600
  • Alameda $129,367
  • California $99,122
  • United States $80,734
See the full table
Oakland next to Alameda County and California
Measure Oakland Alameda County California U.S.
Typical home value $929,900 $1,090,100 $734,700 $332,700
Typical monthly rent $1,979 $2,357 $2,036 $1,413
Typical yearly household income $101,600 $129,367 $99,122 $80,734
Households that own their home 42% 54% 56% 65%
Typical yearly property tax $8,575 $8,474 $5,124 $3,119
Effective property tax rate 0.92% 0.78% 0.7% 0.94%
Renters with high rent for their income 51% 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 Oakland

For a typical $929,900 home in Oakland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oakland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,847a month

    Least cash to close
    Down payment
    $32,547
    Cash to close
    $60,444
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $561

  • Conventional, 5% down $7,527a month

    Down payment
    $46,495
    Cash to close
    $74,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $442

  • Conventional, 20% down, no PMI $6,140a month

    Down payment
    $185,980
    Cash to close
    $213,877
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,000a month

    Down payment
    $139,485
    Cash to close
    $167,382
    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 Oakland and for Alameda County.

Property tax

Effective rate in Oakland

0.92%of the home’s value each year

$8,575 a year for the typical owner in Oakland.

  • Oakland 0.92%
  • 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 Oakland

Typical rent in Oakland is $1,979 a month: 16% below the county. In Oakland, 51% 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 Oakland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oakland has 16 ZIP codes with their own.

For 2 bedrooms it runs from $2,630 in 94601 to $3,270 in 94608.

7 of the 16 are above the fair market rent for Alameda County ($2,805).

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

HUD lists 154 buildings with rents for lower incomes in Oakland. These are the largest.

  • Peralta Villa 1029 Kirkham St, Oakland 94607 390 homes, 389 low-income · Run by Oakland Housing Authority · Average payment: $650 a month (510) 874-1500
  • Lockwood Gardens 1269 66th Ave, Oakland 94621 372 homes, 371 low-income · Run by Oakland Housing Authority · Average payment: $550 a month (510) 874-1500
  • Satellite Central 540 21st St, Oakland 94612 352 homes, 345 low-income · For older adults (510) 451-8636
  • Satellite First Communities 4135 Park Blvd, Oakland 94602 346 homes, 345 low-income · Studio: 269 · 1 bd: 77 · In service since 2012 · For older adults
  • Hotel Oakland 270 13th St, Oakland 94612 315 low-income homes · For older adults (510) 835-3749

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

Free help

Help to buy or rent in Oakland

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Oakland

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

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

  • Nid-Hca Oakland Main Branch

    7677 Oakport St, Oakland · 2 miles away · Spanish

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

  • Nid-Housing Counseling Agency (nid-Hca)

    7677 Oakport St Ste 510, Oakland · 2 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (510) 268-9792

  • Money Management International - Oakland

    1901 Harrison St Ste 1100, Oakland · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 232-9080

Every agency in Alameda County All counseling agencies in California

Help in Spanish near Oakland

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 Oakland

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

  • Oakland Housing Authority Public housing and Section 8 vouchers (510) 874-1500
  • Housing Authority of the County of Alameda Public housing and Section 8 vouchers (510) 538-8876

4 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 Oakland, 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 Oakland.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Oakland

Short answers with the numbers for Oakland 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 Oakland?

The typical home value in Oakland is $929,900, 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 Oakland?

Typical rent in Oakland is $1,979 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 Oakland?

Oakland 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 Oakland?

The typical homeowner in Oakland pays $8,575 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Alameda County, the rate is 0.78%.

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

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).