Most Affordable ZIP Codes in San Francisco-Oakland-Berkeley, CA (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 94621 | Oakland, CA | $451,530 | $2,465 | 4.26% | -3.6% |
| 2 | 94607 | Oakland, CA | $524,673 | $2,716 | 4.04% | -6.1% |
| 3 | 94612 | Oakland, CA | $536,099 | $2,956 | 4.30% | -7.3% |
| 4 | 94531 | Antioch, CA | $665,482 | $3,458 | 4.05% | 0.5% |
| 5 | 94103 | San Francisco, CA | $823,531 | $4,287 | 4.06% | -2.8% |
| 6 | 94949 | Novato, CA | $1,222,268 | $3,882 | 2.48% | 2.6% |
| 7 | 94552 | Castro Valley, CA | $1,378,038 | $4,073 | 2.31% | 2.2% |
| 8 | 94555 | Fremont, CA | $1,466,111 | $3,782 | 2.01% | 3.5% |
| 9 | 94019 | Half Moon Bay, CA | $1,571,151 | $4,738 | 2.35% | 2.9% |
| 10 | 94925 | Corte Madera, CA | $1,877,145 | $5,832 | 2.42% | 3.0% |
| 11 | 94539 | Fremont, CA | $2,186,278 | $4,174 | 1.49% | 4.8% |
| 12 | 94507 | Alamo, CA | $2,562,561 | $6,900 | 2.10% | 3.2% |
| 13 | 94027 | Atherton, CA | $8,661,875 | $15,500 | 1.40% | 4.6% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in San Francisco-Oakland-Berkeley, CA · Appreciation in San Francisco-Oakland-Berkeley, CA
Or see the full San Francisco-Oakland-Berkeley, CA metro profile.