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Featured local agent — Home Garden, CA
Sarah Mitchell
Compass Real Estate · Home Garden, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Home Garden, CA Housing Market
The last median sale price Redfin published was $302,500, +77.9% year over year (through May 2026). With 2.0 months of supply and homes going under contract in about 34 days, Home Garden is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $302,500 home is about $1,555/mo in principal and interest.
Key numbers for Home Garden, CA
Median sale price
$302,500
+77.9% year over year
Redfin, through May 2026
Days on market
34
Average pace
Redfin, through May 2026
Active listings
2
2.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$52,823
Home costs 5.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.9%
Selling above asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Home Garden a buyer's or seller's market?
Home Garden, CA is a seller's market, based on 2.0 months of supply and homes selling in about 34 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Home Garden housing market data show?
Every row below is Redfin's final published month for Home Garden, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $302,500 |
| Year-over-year price change | +77.9% |
| Median price per sq ft | $223/sq ft |
| Median days on market | 34 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 100.9% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 50.0% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Home Garden is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Home Garden is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Home Garden home prices moved?
Across the 32 months we hold for Home Garden, CA, the median sale price rose 81.8%, from $166,400 in April 2021 to $302,500. 50.0% of Home Garden listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 100.9%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Home Garden?
Priced off the median sale price of $302,500 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $60,500 | $242,000 | $1,555/mo |
| 5% | $15,125 | $287,375 | $1,847/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,555, that implies roughly $66,650 a year before you add taxes and insurance. The median household in Home Garden earns $52,823, about $13,827 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 5.7x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Home Garden in the next 12 months?
Tell us your timeline. We send the Home Garden market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Home Garden?
Zillow does not publish a rent index (ZORI) for Home Garden, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Home Garden?
Active listings in Home Garden, CA went from 1 in January 2024 to 2 in May 2026, a +100.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| April 2024 | 5 | not published |
| May 2024 | 2 | 1 |
| June 2024 | 1 | not published |
| July 2024 | 1 | not published |
| October 2024 | 1 | 1 |
| March 2025 | 2 | 1 |
| May 2025 | 1 | 2 |
| June 2025 | 1 | not published |
| January 2026 | 1 | 1 |
| February 2026 | 2 | 1 |
| April 2026 | 2 | 1 |
| May 2026 | 2 | not published |
Redfin, through May 2026
How does Home Garden compare to California and the U.S.?
Home Garden homes sell for $302,500 — 66% below the California median of $887,400. Against the national median of $410,700, Home Garden runs 26% lower. Year-over-year, Home Garden moved +77.9% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Home Garden, CA | $302,500 | +77.9% | 34 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Home Garden
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 50.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $292 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $302,500 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Home Garden listing goes under contract in 34 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.9% of asking. Price at the number you want and let competition do the rest.
- Comparable ZIP-level pricing inside Home Garden varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Home Garden
There are currently 2 homes listed for sale in Home Garden, California.
Active listings
2
Homes on market
Avg. days on market
34
Days until sale
How much do homes cost in Home Garden by property type?
How the Home Garden, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $302,500 | $223/sq ft | 1 | 34 days |
Who lives in Home Garden?
American Community Survey estimates for Home Garden. U.S. Census ACS, 2023
Population
1,903
Households
458
Median income
$52,823/yr
Median age
27.9 years
Owner-occupied
61.4%
Median home value
$162,900
Median gross rent
$1,154/mo
Mean commute
24.6 min
61.4% of occupied homes in Home Garden are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Home Garden, CA?
Ordered by distance from Home Garden, not by size. Compare Home Garden side by side with any of them.
Home Garden housing market FAQ
Is Home Garden a buyer's or seller's market?
Home Garden, CA is currently a seller's market. That read comes from 2.0 months of supply, homes going under contract in about 34 days, and sellers getting 100.9% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Home Garden?
The median sale price in the last month Redfin published was $302,500, about $223 per square foot.
Is Home Garden cheaper than the rest of California?
Home Garden's median sale price of $302,500 is 66% lower than the California statewide median of $887,400, and 26% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Home Garden?
Homes in Home Garden, CA spent a median of 34 days on market before going under contract, versus 33 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Home Garden?
At the current 30-year fixed rate of 6.66%, 20% down on a $302,500 home is about $1,555 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $66,650 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $52,823.
Are home prices rising in Home Garden?
Redfin's last published year-over-year change for Home Garden, CA was +77.9%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Home Garden?
Home Garden ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Home Garden?
That depends on your timeline, not on a headline. What the data says today: Home Garden, CA is a seller's market with 2.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $302,500, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.