Balanced Market
▼ Cooling DownSilver Creek, San Jose Market Update
Silver Creek is a balanced market — a good environment for thoughtful decisions on both sides:
- 36.5 days on market gives buyers time to be selective and negotiate
- Selling at or just above list price — fair offers still win here
- Monthly payment: $13,967 at 6.37% (20% down on a $2.80M median home)
- Silver Creek pricing is 111% above the San Jose median ($2.80M vs. $1.33M)
Competition is easing. Conditions may improve in coming months.
Median Sale Price
$2.80M
▼ -14.5% YoY
Down $475K from last year
Days on Market
36.5 days
▼ 2250% YoY
Buyers have time to decide
Sale-to-List Ratio
102.9%
▲ from 102.8%
Selling at or just above asking
Active Inventory
3
Very low — limited options for buyers
Sold Above List
43%
▼ -17pp YoY
Some homes attract competing offers
Price Drops
—
Sellers rarely reduce their price
Off Market in 2 Wks
14%
▼ -29pp YoY
Staying on market longer than usual
Monthly Payment
$13,967
— 6.37% · 30yr fixed
20% down on $2.80M median
30-yr Fixed6.37%
15-yr Fixed5.74%
A 1% rate drop would save ~$13,440/mo on the median Silver Creek home. Your actual rate depends on your credit, down payment, and loan type.Silver Creek Trends
Median Sale Price
Down 14.5% year-over-year. The market is adjusting.
What You'd Actually Pay Per Month
Monthly cost has eased 21% year-over-year.
Melanie Tan
8 Blocks Real Estate · DRE #02014153
“I know Silver Creekwell. Let me help you understand what the numbers mean for your specific situation.”
Let's talk about Silver Creek
Market data: Redfin Data Center · Rates: FRED / Federal Reserve · Updated weekly · Data through Feb 2026
© 2026Melanie Tan, 8 Blocks Real Estate · DRE #02014153
© 2026Melanie Tan, 8 Blocks Real Estate · DRE #02014153