County data
Alameda County, CA Mortgage Calculator
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- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
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- Paid off
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Alameda County at a glance
Median home value
$1,090,100
Property tax rate
0.87%
California: 0.79% · U.S.: 1.05%
Median income
$129,367
Conforming loan limit
$1,249,125
Typical monthly cost of the median home
Principal and interest
$5,967
$872,080 loan at 7.28%, 30 years
Property tax
$790
0.87% of $1,090,100 a year
Together
$6,757
before insurance, HOA and PMI
Other large counties in California
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Los Angeles County | $834,200 | 0.76% | $5,094 |
| San Diego County | $854,700 | 0.75% | $5,213 |
| Orange County | $962,600 | 0.73% | $5,855 |
| Riverside County | $557,300 | 0.85% | $3,445 |
| San Bernardino County | $505,000 | 0.77% | $3,088 |
| Santa Clara County | $1,490,600 | 0.67% | $8,991 |
| Sacramento County | $534,200 | 0.80% | $3,280 |
| Contra Costa County | $866,800 | 0.91% | $5,402 |
Frequently asked questions
What is the property tax rate in Alameda County, CA?
Homeowners with a mortgage in Alameda County pay a median of $9,509 a year in property tax on a median home value of $1,090,100, an effective rate of 0.87%. That is above the California figure of 0.79% and below the U.S. median of 1.05%. It ranks 7 of 58 counties in California for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Alameda County?
On a $1,090,100 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $5,967 a month and property tax about $790, so roughly $6,757 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $129,367 a year, so that payment is about 63% of it.
What is the conforming loan limit in Alameda County?
The 2026 one-unit conforming loan limit for Alameda County is $1,249,125, higher than the $832,750 that applies in most California counties because it is a designated high-cost area. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.