Santa Teresa Bernal, San Jose Housing Market · 2026

Data through Mar 2026

Santa Teresa Bernal, San Jose Market Snapshot

Santa Teresa Bernal is still one of the most competitive markets in the Bay Area, but competition is starting to ease. Here's the picture:

Based on 12 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$1.62M
Up 10.3% from March 2025
Up $152K from March 2025
Homes Sold
12
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$10,115/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$8,240
  • Property Tax$1,692
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
11 days
3 more days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
105.2%
Down from 106.3% in March 2025
Selling 5% above asking
% Sold Over Asking
58%
More than half of homes sold above their asking price
Active Listings
7
Down 22.2% from March 2025
About 0.6 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Santa Teresa Bernal.

Median Sale Price
Up 10.3% year-over-year in Santa Teresa Bernal. Based on 12 sales in the most recent month.
Homes Sold
33% fewer homes sold than a year ago in Santa Teresa Bernal.
Total Monthly Payment
Estimated monthly cost is up 8% from a year ago in Santa Teresa Bernal, 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 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Santa Teresa Bernal, San Jose

Is now a good time to buy in Santa Teresa Bernal, San Jose?

Santa Teresa Bernal, San Jose is still a highly competitive market, but conditions are starting to ease. Buyers should move quickly on well-priced homes and expect to offer above asking, though the most intense bidding wars may be tapering.

How do Santa Teresa Bernal, San Jose home prices compare to the Bay Area average?

At $1.62M, Santa Teresa Bernal, San Jose's median is close to the Bay Area average of $1.88M.

Within San Jose, this area trades about 10% above the city-wide median of $1.47M.

By home type:

  • Single-family homes at $1.70M
  • Townhomes at $650K
What price range should I budget for in Santa Teresa Bernal, San Jose?

Prices in Santa Teresa Bernal, San Jose depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.70M
  • Townhomes at $650K

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 Santa Teresa Bernal, San Jose for buyers?

Santa Teresa Bernal, San Jose is one of the Bay Area's more competitive markets:

  • Homes sell about 5% above asking on average
  • 58% close above list price
  • 11 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 Santa Teresa Bernal, San Jose home?

At $1.62M with 20% down at 6.53%, your estimated total monthly cost is approximately $10,115:

  • $8,240 principal and interest
  • $1,692 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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