CautiousUpdated MAY 20, 2026

San Leandro, CA

ZIP 94579·Alameda County·San Francisco-Oakland-Berkeley, CA·19,955 residents·Median income $94,193·Leaning Seller

94579 · San Leandro, CA has a HavenScore of 29 — momentum signals are loosening in buyers' favor versus three months ago.

Compare
29
▲ +11 / 90d#161/166 in CAHavenScore
Rank

Ranked #13,113 of 13,130 nationally · #6,752 of 6,756 mid-size ZIPs

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
26/100
Growth
26/100
Risk
31/100
Momentum
19/100
Livability
66/100
Score · trailing 12 mo
18 → 29
+11 points
30-day
+4
90-day
+11
1-yr
+11

Snapshot

Numbers at a glance

Median price
$864,518
Typical home value
YoY change
-4.12%
12-mo trailing
Price-to-income
9.2×
healthy <4.0×
Est. monthly
$5,248
PITI · 20% · 6.51%
Active listings
9
current count
Days on market
18
median DOM
Vacancy
3.2%
Below-average
Owner-occupied
76%
of homes
Denial rate
24.4%
Above-average
Lending activity
16,442
originations
Net migration
-9.1%
net outflow
Income inflow
$81k
average
Walkability
13.3
Above-average
Risk rating
Very High
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
26/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
26/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
31/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
19/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 6 of 14 signals
Tailwinds2
  • Limited new supply
    Only 1.1 permits per 1,000 — supply constrained
  • Few price reductions
    Only 0% of listings cutting price
Headwinds4
  • High price-to-income
    9.2× income — well above the national median
  • Declining prices
    -4.1% year-over-year
  • Population outflow
    -9.1% net — people leaving
  • Potentially overvalued
    53% above historical price-to-income
Buyer / seller gauge

Market conditions

Leaning Seller

Conditions tightening in sellers' favor. Sign in to save this ZIP and track how the score moves.

+5
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+1.9%$865k
🔒 Haven
Falling

Inventory

−43.8%9

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$864,518

▼ -4.12% YoY
Median Rent

—

Active Inventory

9

Days on Market

18 days

Price Cuts

0.00%

Price-to-Income

9.2×

Median Income

$94,193

Population

19,955

Overvaluation

+53.00%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
—————
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

🔒 Haven
—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$5,248/ mo

20% down · 30-yr fixed · 6.51% · tax 0.71%

Principal$624
Interest$3,752
Property tax$512
Insurance$360
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $94,193

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report94579Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 94579 on Affordability and Growth — sorted by lowest median value.

ZIP 94621
Oakland
CA
35
$450,083-10.05%
ZIP 94603
Oakland
CA
36
$510,221-7.29%
ZIP 94612
Oakland
CA
36
$540,378-13.20%
ZIP 94601
Oakland
CA
34
$551,981-9.46%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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