ZIP Code Market Report · May 2026
Is 94601 a Buyer's or Seller's Market?
📍 Fruitvale, Oakland, California
72
🟡 WARM
Balanced market
22 avg days on market · Property tax ~1.12%/yr
Mortgage Breakdown — ZIP 94601
Median Price$680,000
20% Down Payment$136,000
Loan Amount$544,000
P&I (~6.7%)$3,510/mo
Property Tax Est.$634/mo
Total PITI Est.$4,427/mo
Annual Income Needed$147,566/yr
Educational purposes only. Market data estimated based on available public sources. Not financial advice. Figures are approximations and vary by property, lender, and market conditions.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
24.5%
of FHA applications denied in Oakland-Hayward-Berkeley, CA, 2025 · national 22.1%
United Wholesale Mortgage
27.5% Lakeview Loan Servicing, LLC
57.6% A 30.1-point spread between the busiest FHA lenders in this metro.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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