White Oak, Campbell Housing Market · 2026

Data through Jul 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

White Oak, Campbell Market Snapshot

White Oak is shifting toward buyers. Here's where things stand:

Based on 8 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$1.01M
Down 16.4% from July 2025
Down $198K from July 2025
Homes Sold
8
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$6,452/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$5,217
  • Property Tax$1,052
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
37 days
20 more days than in July 2025
Buyers have time to decide
Sale-to-List Ratio
97.4%
Down from 99.9% in July 2025
Selling 3% below asking
% Sold Over Asking
50%
50% of homes sold above asking, some competition
Active Listings
2
Down 46.4% from July 2025
About 0.8 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in White Oak.

Median Sale Price
Down 16.4% year-over-year in White Oak. Based on 8 sales in the last 3 months.
Homes Sold
33% fewer homes sold than a year ago in White Oak.
Total Monthly Payment
Estimated monthly cost is down 16% from a year ago in White Oak, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.71%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about White Oak, Campbell

Is now a good time to buy in White Oak, Campbell?

White Oak, Campbell currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.

How do White Oak, Campbell home prices compare to the Bay Area average?

At $1.01M, White Oak, Campbell's median sits about 44% below the Bay Area average of $1.80M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that White Oak, Campbell is one of the more accessible corners of the Bay Area.

Within Campbell, this area trades about 44% below the city-wide median of $1.81M.

By home type:

  • Townhomes at $1.01M
  • Condos at $649K
  • Single-family homes at $2.42M
What price range should I budget for in White Oak, Campbell?

Prices in White Oak, Campbell depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Townhomes at $1.01M
  • Condos at $649K
  • Single-family homes at $2.42M

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is White Oak, Campbell for buyers?

White Oak, Campbell currently leans toward buyers:

  • Homes sell about 3% below asking on average
  • 50% close above list price
  • 37 days typical time to go pending
  • 18% of listings have had a price reduction

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced White Oak, Campbell home?

At $1.01M with 20% down at 6.71%, your estimated total monthly cost is approximately $6,452:

  • $5,217 principal and interest
  • $1,052 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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