Higher rates did not stop fast deals in part of Livermore
Rates crossed 7% for the first time since January 2025, according to Realtor.com. That is a real headwind for buyers. But in ZIP 94550, the Real Estate Data Aggregator counted 45.9% of homes going under contract within two weeks of listing, for the three months ending August 31, 2026. Priced and presented well, homes here are still moving fast.
That 45.9% figure is up 11.5 points from the same three months in 2025, per the Real Estate Data Aggregator. So speed actually improved, even as rates climbed. That is worth pausing on.
How the two Livermore ZIP codes compare
Livermore splits into two ZIP codes: 94550 and 94551. They tell pretty different stories right now.
| 94550 | 94551 | |
|---|---|---|
| Median sale price | $1,280,000 | $931,500 |
| Median days on market | 18 days | 19 days |
| Under contract within 2 weeks | 45.9% | 39.7% |
| Sold above list price | 35% | 35.6% |
| Sale price vs. list price | 100.4% | 99.6% |
In 94550, the Real Estate Data Aggregator shows the median sale price was $1,280,000, up 1.4% from a year earlier. Homes there averaged 100.4% of list price. That means sellers, on average, got a little more than they asked.
In 94551, the median sale price was $931,500, down 7.8% from a year ago, per the Real Estate Data Aggregator. Not every segment is moving the same direction. Prices dipped in 94551, and that is worth knowing if you own there.
Speed is the story in 94550
The Real Estate Data Aggregator shows 94550 had 18 median days on market. That is 3 days shorter than the same period in 2025. Fewer homes sold overall, down 25% from a year ago. But the ones that did sell moved quickly.
More activity in 94551
In 94551, the Real Estate Data Aggregator counted 132 homes sold, up 26.9% from a year ago. New listings jumped 32.4% too. More supply and more sales happening at the same time. Days on market dropped 4 days from last year, landing at 19.
Nearly 4 in 10 homes in 94551 (39.7%) went under contract within two weeks, per the Real Estate Data Aggregator. That share is up 7.4 points from a year ago. Still fast, just not quite as fast as 94550.
What rates are doing nationally
Realtor.com reported that mortgage rates climbed above 7% for the first time since January 2025. Nationally, Realtor.com also noted that 20.8% of listings took a price cut in September, the highest share since October 2022. More inventory and more cuts nationally, yet Livermore's fastest segment kept right on moving.
CNBC reported that a monthly payment on a median-priced home now takes about 33% of a median family's income. That is up from 26% in 2022. Affordability is genuinely tighter. Buyers in Livermore are feeling that too.
What this means for you
If you are buying in 94550, nearly half the homes are gone within two weeks. Having your financing ready before you look is not optional right now.
If you are selling, the Real Estate Data Aggregator shows 35% of homes in 94550 sold above list price. That share is up 6.1 points from a year ago. The homes earning that attention are the ones priced right from the start.
In 94551, prices are down 7.8% from a year ago. That does not mean the market is broken. It means pricing strategy matters even more there right now.
- For the three months ending August 31, 2026, 94550 moved at a median of 18 days with nearly half of homes under contract in two weeks.
- Rates above 7% are real, but well-priced homes in Livermore are not sitting.
- One street can read very differently from the ZIP code as a whole, and your block may tell its own story.
Your next step
(510) 757-5901Text me your address and I will send back how long homes like yours are taking to sell in your part of Livermore, and where your price sits against what actually closed. Takes a day, costs nothing.
Text me- Real Estate Data Aggregator numbers for ZIPs 94551 and 94550, the three months ending August 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Oct 7, 2026.
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026
- Redfin: U.S. Home Prices Ticked Up 0.25% in September, Oct 20, 2026
- Realtor.com: September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%, Sep 30, 2026
- Realtor.com: September 2026 Rental Report: Median Asking Rent Declines at the Slowest Pace in 3 Years, Oct 15, 2026
- CNBC: Trump's executive order targets mortgage insurance, refinance costs. What it means for borrowers, Oct 23, 2026