White Oak, Campbell Housing Market · 2026

Data through May 2026

White Oak, Campbell Market Snapshot

White Oak is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:

Based on 9 homes sold in May 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 May 2026

SalesWhat are homes selling for?
Median Sale Price
$1.26M
Down 16.7% from May 2025
Down $251K from May 2025
Homes Sold
9
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$7,836/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$6,344
  • Property Tax$1,308
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
9 days
3 fewer days than in May 2025
Homes sell in a week or two
Sale-to-List Ratio
103.5%
Down from 103.8% in May 2025
Selling 3% above asking
% Sold Over Asking
67%
67% of homes sold above their asking price
Active Listings
3
· Up 0.0% from May 2025
About 0.3 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 16.7% year-over-year in White Oak. Based on 9 sales in the most recent month.
Homes Sold
13% more homes sold than a year ago in White Oak.
Total Monthly Payment
Estimated monthly cost is down 19% 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 6.49%. 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 is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.

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

At $1.26M, White Oak, Campbell's median sits about 32% below the Bay Area average of $1.85M. 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 26% below the city-wide median of $1.70M.

By home type:

  • Townhomes at $1.07M
  • Single-family homes at $2.25M
  • Condos at $769K
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 $1.07M
  • Single-family homes at $2.25M
  • Condos at $769K

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 is one of the Bay Area's more competitive markets:

  • Homes sell about 3% above asking on average
  • 67% close above list price
  • 9 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

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

At $1.26M with 20% down at 6.49%, your estimated total monthly cost is approximately $7,836:

  • $6,344 principal and interest
  • $1,308 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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