Galt, CA—95632
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Galt, CA
As of Oct '25, the median home price in Galt, CA is $528,000, with a year-over-year change of -2.7%. This indicates that home prices in Galt, CA are decreasing. According to Zillow, the 1-year price projection is -0.8%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $528,000 | -2.7% |
| Single Family | $530,000 | -2.9% |
| Condos | $355,000 | 0.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $424,000 | -2.5% |
3 Bed | $487,000 | -3.2% |
4 Bed | $584,000 | -2.3% |
| 5 Bed | $684,000 | -2.1% |
% of Housing Stock
Rental Trends — Galt, CA
As of July '25, Rentcast reports the average rent in Galt, CA is $2,820, with a year-over-year rent change of 11.9%. Per bedroom, the median rent as of July '25 in Galt, CA is 2-bedrooms: $1,970, 3-bedrooms: $2,630, 4-bedrooms: $3,070. The most common rental property sizes in Galt, CA are 3-bedroom and 2-bedroom, accounting for 39.3% and 28.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,820 | $2,820 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,950 | $1,970 |
| 3 Bed Rent | $2,700 | $2,630 |
| 4 Bed Rent | $3,000 | $3,070 |
% of Rental Stock
Property Listings — Galt, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Galt, CA is 61. This is a increase of 31.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $618,000 | -1.0% |
Listing Count | 83 | -12.0% |
| Listings as % of Homes | 0.6% | -12.0% |
Days on Market | 61 | 31.0% |
Demographics — Galt, CA
As of the latest ACS Survey released in 2023, Galt, CA has a population of 31,900, which has increased by 1.5% over the past 5 years. Galt, CA is a moderately popular place for families, as children make up 23.9% of the population. The area has a poorly educated workforce, with 21.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 31,900 | 1.5% |
% Under 18 | 23.9% | -8.8% |
% Seniors | 14.8% | 15.6% |
% WFH | 11.1% | 91.4% |
% w/ College Degree | 21.6% | 26.3% |
As of the latest ACS Survey released in 2023, Galt, CA is a predominantly white area, with 44.9% of the population identifying as white. The white population has shrunk by 7.0% in the last 5 years. The second most common race or ethnicity in Galt, CA is hispanic, making up 44.1% of the population. Foreign-born residents account for 19.3% of the population in Galt, CA, and this percentage has increased by 12.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 44.9% | -7.0% |
% Black | 1.9% | 26.7% |
% Hispanic | 44.1% | 5.8% |
% Asian | 4.9% | 0.0% |
% Foreign Born | 19.3% | 12.9% |
Mortgage and Risk — Galt, CA
According to HUD data as of 2023, there were 465 mortgage originations in Galt, CA, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Galt, CA. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 465 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Galt, CA
Galt, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 120 |
Total Units Section 8 | 120 |
% Rentals under Section 8 | 5.3% |
% Occupied Section 8 | 91.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,570 |
| 2 Bedroom | $0 | $1,950 | $1,950 |
| 3 Bedroom | -$50 | $2,700 | $2,650 |
| 4 Bedroom | $60 | $3,000 | $3,060 |
Affordability — Galt, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.9 |
| Median Home Price | $528,000 |
| Median Household Income | $90,900 |