Arnold, CA 95223 Real Estate Market Report

ZIP Code: 95223
Report Date: April 2026
Market Temperature: COLD
Scope: Single-Family Residential (SFR) listings and comps only

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Executive Overview

The real estate market in Arnold, CA is currently characterized by a median sold price of $440,400, reflecting a cooling trend in home values. This represents a significant shift as the market has experienced a down trend in prices year-over-year. The median days on market has risen to 359, indicating that homes are taking longer to sell, which may suggest a more cautious buyer sentiment amid elevated interest rates.

With a median listing price of $595,000, there is a notable gap between asking prices and actual sold prices, indicating potential pricing friction as sellers adjust expectations to align with market realities. The overall market temperature is classified as cold, driven by elevated interest rate pressure which continues to impact affordability and demand. This environment suggests that buyers currently hold more leverage in negotiations, as the market shifts towards a more balanced dynamic.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

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Property Taxes

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Cold market indicates weak buyer demand relative to available inventory, typically characterized by declining or flat prices, extended days on market, and elevated inventory levels relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Arnold, CA are averaging 6.38%, which is 0.4% higher than the 6.67% average recorded last year.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The median sold price of $440,400 indicates a significant gap from the median listing price of $595,000, suggesting potential pricing friction as sellers may need to adjust their expectations.

2. With 359 days on market, properties are experiencing slower sales velocity, reflecting a down trend in market activity and buyer engagement.

3. The market temperature is currently cold, indicating a shift towards a more buyer-friendly environment due to elevated interest rate pressure.

4. Year-over-year trends show that both home prices and rents are down, which may further influence buyer sentiment and investment decisions.

5. The median price per square foot stands at $281.25, providing a contextual benchmark for property valuation amidst the current market dynamics.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.