The median home in Oakley, California is valued at $649,027, down 4.5% year over year. Typical monthly rent is $3,154, producing a price-to-rent ratio of 17.1x — near the national average of 18x. Oakley is part of the San Francisco-Oakland-Berkeley, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$649,027

-4.5%

Rent$3,154/mo

Prices falling — better for buyers.

Affordability

Enter your income for Oakley.

Income (annual)

Down Payment

$129,805 on $649,027

Example: $75,000 household income. Change it above to see your own.

Out of reach61.1% of income

Need $163,543/yr to afford.

PITI$3,816

P/I61.1%

Afford$298K

Gap-$351K

P&I $3,282Tax $384Ins $150

Renting $662/mo cheaper ($3,154 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 Oakley with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

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

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Oakley, CA