Oakdale, CA—95361
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oakdale, CA
As of Nov '25, the median home price in Oakdale, CA is $545,000, with a year-over-year change of 1.0%. This indicates that home prices in Oakdale, CA are flat. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $545,000 | 1.0% |
| Single Family | $548,000 | 1.1% |
| Condos | $374,000 | 4.8% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $351,000 | 0.0% |
2 Bed | $395,000 | 1.3% |
3 Bed | $500,000 | 0.6% |
4 Bed | $620,000 | -0.3% |
| 5 Bed | $672,168 | -1.1% |
% of Housing Stock
Rental Trends — Oakdale, CA
As of July '25, Rentcast reports the average rent in Oakdale, CA is $1,940, with a year-over-year rent change of 11.5%. Per bedroom, the median rent as of July '25 in Oakdale, CA is 1-bedrooms: $1,260, 2-bedrooms: $1,640, 3-bedrooms: $2,600, 4-bedrooms: $2,820. The most common rental property sizes in Oakdale, CA are 3-bedroom and 2-bedroom, accounting for 35.9% and 30.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,600 | $1,940 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,300 | $1,260 |
| 2 Bed Rent | $1,500 | $1,640 |
| 3 Bed Rent | $2,600 | $2,600 |
| 4 Bed Rent | $2,800 | $2,820 |
% of Rental Stock
Property Listings — Oakdale, CA
As of Nov '25, Realtor.com reports that the median days on market for a home in Oakdale, CA is 75. This is a increase of 32.0% 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 9.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $625,000 | -5.0% |
Listing Count | 137 | 21.0% |
| Listings as % of Homes | 0.6% | 21.0% |
Days on Market | 75 | 32.0% |
Demographics — Oakdale, CA
As of the latest ACS Survey released in 2023, Oakdale, CA has a population of 35,000, which has increased by 1.3% over the past 5 years. Oakdale, CA is a moderately popular place for families, as children make up 24.9% of the population. The area has a poorly educated workforce, with 23.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 35,000 | 1.3% |
% Under 18 | 24.9% | -5.0% |
% Seniors | 15.7% | 2.6% |
% WFH | 5.6% | -30.9% |
% w/ College Degree | 23.5% | 8.3% |
As of the latest ACS Survey released in 2023, Oakdale, CA is a predominantly white area, with 61.1% of the population identifying as white. The white population has shrunk by 4.7% in the last 5 years. The second most common race or ethnicity in Oakdale, CA is hispanic, making up 30.2% of the population. Foreign-born residents account for 11.2% of the population in Oakdale, CA, and this percentage has increased by 6.7% 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 | 61.1% | -4.7% |
% Black | 0.8% | 60.0% |
% Hispanic | 30.2% | -0.3% |
% Asian | 2.0% | -4.8% |
% Foreign Born | 11.2% | 6.7% |
Mortgage and Risk — Oakdale, CA
According to HUD data as of 2023, there were 512 mortgage originations in Oakdale, CA, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Oakdale, CA. Investor activity is low, as 2.0% 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 | 512 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Rentals and Section 8 — Oakdale, CA
As of 2024, the percent of homes in Oakdale, CA under the Section 8 program is 6.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Oakdale, CA, because HUD payments exceed market rent, while 1-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 278 |
Total Units Section 8 | 253 |
% Rentals under Section 8 | 6.4% |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$90 | $1,300 | $1,210 |
| 2 Bedroom | $70 | $1,500 | $1,570 |
| 3 Bedroom | -$400 | $2,600 | $2,200 |
| 4 Bedroom | -$240 | $2,800 | $2,560 |
Affordability — Oakdale, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.6 |
| Median Home Price | $545,000 |
| Median Household Income | $91,400 |