Market Overview
Home Prices in El Cerrito, CA
The median home value in El Cerrito, CA is $1,163,612 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and down 5.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in El Cerrito are priced184% above average. El Cerrito is part of the San Francisco-Oakland-Berkeley, CA metro area.
Over the past five years, El Cerrito home values have fallen by approximately4.7%, reflecting softening conditions in this market.
Price History
El Cerrito Home Price Trend
City Comparison
El Cerrito vs. National Median
At $1,163,612, homes in El Cerrito cost 184% above the national median of $410,000. Buyers in El Cerrito should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in El Cerrito?
20% Down Payment
$232,722
on $1,163,612
Monthly P&I
$6,069/mo
30-yr @ 6.8%
Total Monthly Est.
~$7,708/mo
incl. taxes & insurance
Income Needed
$308,320
gross annual (30% rule)
10% Down Option
$116,361
+ PMI applies
Loan Amount (20% dn)
$930,890
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in El Cerrito, CA?
The median home value in El Cerrito is $1,163,612 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in El Cerrito?
Over the past year, home values in El Cerrito have increased by 0.3%. Over five years, prices have fallen approximately 4.7%.
How much do I need to earn to buy a home in El Cerrito?
To comfortably afford the median home price of $1,163,612 with a 20% down payment ($232,722) at today's rates (6.8%), you'd need a gross annual income of approximately $308,320. This assumes keeping total housing costs at or below 30% of gross income.
How does El Cerrito compare to the national average home price?
The national median home value is approximately $410,000. At $1,163,612, homes in El Cerrito are 184% above the national average.
What metro area is El Cerrito part of?
El Cerrito is part of the San Francisco-Oakland-Berkeley, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.