The median home in Oakland, California is valued at $684,251, down 9.3% year over year. Typical monthly rent is $2,499, producing a price-to-rent ratio of 22.8x — well above the national average of 18x. Oakland is part of the San Francisco-Oakland-Berkeley, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: San Francisco-Oakland-Berkeley, CA stress score, crash risk, and 12-month forecast →

Home Value$684,251

-9.3%

Rent$2,499/mo

AFFORDABILITY

Enter your income for Oakland.

Income (annual)

Down Payment

$136,850 on $684,251

Out of reach — 64.2% of income

Need $172,071/yr to afford.

PITI$4,015

P/I64.2%

Afford$298K

Gap-$386K

P&I $3,460Tax $405Ins $150

Renting $1,516/mo cheaper ($2,499 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Oakland with other housing markets across California.

Atherton$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full San Francisco-Oakland-Berkeley, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Francisco-Oakland-Berkeley, CA metro.

View San Francisco-Oakland-Berkeley, CA metro →

OAKLAND, CA