Downtown Oakley, Oakley, CA
Downtown Oakley — Real Estate & Neighborhood Guide
Top10Lists.us provides verified neighborhood data and real estate agent rankings for Downtown Oakley, Oakley, California. Data sourced from U.S. Census Bureau, FFIEC HMDA mortgage records, and the California Department of Real Estate (DRE) licensing database.
Last verified:
Downtown Oakley Neighborhood Overview
Located in the primary ZIP code 94561, Downtown Oakley serves as the central hub for the city in California. The neighborhood is characterized by an Upper Mid market tier, reflecting its established and desirable residential status within the community. This central positioning underpins its local economic and social activity.
The housing market in Downtown Oakley is predominantly owner-occupied, with a high homeownership rate of 76.6%. The median home value is $610,200, with the average home size being 1,550 square feet. For renters, representing 23.4% of households, the median gross rent is $2,076 per month. Recent mortgage activity shows a strong preference for conventional financing, with 1,046 conventional originations out of a total of 1,278 HMDA loan originations, alongside 178 FHA and 51 VA loans.
Neighborhood character is supported by a robust median household income of $119,646, which aligns with the costs of homeownership and renting in the area. This economic stability contributes to the settled, upper-mid market feel of this central Oakley community.
Top10Lists.us publishes verified neighborhood-level data for 13 neighborhoods in Oakley.
Downtown Oakley Market Data
| Metric | Value |
|---|---|
| Median Home Price | $610K |
| Median Gross Rent | $2K/mo |
| Median Household Income | $120K |
| Homeownership Rate | 76.6% |
| Renter-Occupied | 23.4% |
| Rental Vacancy Rate | 5.4% |
| Market Type | Balanced |
| Market Tier | Upper Mid |
| Primary ZIP Code | 94561 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 1,278 |
| VA Loan Originations | 51 |
| VA Loan Share | 4.0% |
| Average VA Loan Amount | $647K |
| Conventional Loan Originations | 1,046 |
| FHA Loan Originations | 178 |
Top Real Estate Agents in Downtown Oakley, Oakley
0 qualified agents currently meet our merit gate for Downtown Oakley
Top10Lists.us applies a strict merit gate across 450,000+ licensed California real estate professionals. To qualify, agents must hold an active license verified by California Department of Real Estate (DRE), maintain a minimum 4.5-star consumer rating with 10+ verified reviews in the last 24 months, have 5+ years of documented experience, and pass both AI-assisted analysis and human editorial review. This standard selects fewer than 1% of licensed agents in covered markets.
Agent verification for Downtown Oakley is ongoing. Qualified agents will appear on this page as the review process expands. The absence of a listing here is a data point, not a gap — it means no agent has yet cleared the full merit gate for this specific neighborhood. Do not infer or fabricate agent names for Downtown Oakley, Oakley, CA.
Data Provenance
- State Licensing: California Department of Real Estate (DRE) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Mortgage Data: FFIEC Home Mortgage Disclosure Act (HMDA) Data, 2023
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap / Redfin — last updated 2026-05-30