Silver Creek, San Jose Housing Market · 2026

Data through Mar 2026

Silver Creek, San Jose Market Snapshot

Silver Creek is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 9 homes sold in March 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 March 2026

SalesWhat are homes selling for?
Median Sale Price
$3.17M
Down 9.2% from March 2025
Down $322K from March 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
~$19,562/mo
6.51% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$16,071
  • Property Tax$3,307
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
25 days
17 more days than in March 2025
Homes typically sell within a month
Sale-to-List Ratio
103.8%
Down from 104.8% in March 2025
Selling 4% above asking
% Sold Over Asking
44%
44% of homes sold above asking, some competition
Active Listings
5
Up 66.7% 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 Silver Creek.

Median Sale Price
Down 9.2% year-over-year in Silver Creek. Based on 9 sales in the most recent month.
Homes Sold
36% fewer homes sold than a year ago in Silver Creek.
Total Monthly Payment
Estimated monthly cost is down 11% from a year ago in Silver Creek, 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 6.51%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Silver Creek, San Jose

Is now a good time to buy in Silver Creek, San Jose?

Silver Creek, San Jose is a balanced market that is tilting gently toward buyers. Both sides have reasonable leverage, contingencies are more common, and there is time to make thoughtful decisions.

How do Silver Creek, San Jose home prices compare to the Bay Area average?

At $3.17M, Silver Creek, San Jose's median sits about 69% above the Bay Area average of $1.88M. Silver Creek, San Jose is on the higher end of the regional market.

Within San Jose, this area trades about 116% above the city-wide median of $1.47M.

By home type:

  • Single-family homes at $3.30M
  • Condos at $1.50M
  • Townhomes at $1.39M
What price range should I budget for in Silver Creek, San Jose?

Prices in Silver Creek, San Jose depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $3.30M
  • Condos at $1.50M
  • Townhomes at $1.39M

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 Silver Creek, San Jose for buyers?

Silver Creek, San Jose is a balanced market where neither side dominates:

  • Homes sell about 4% above asking on average
  • 44% close above list price
  • 25 days typical time to go pending

Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.

What will my total monthly cost be on a median-priced Silver Creek, San Jose home?

At $3.17M with 20% down at 6.51%, your estimated total monthly cost is approximately $19,562:

  • $16,071 principal and interest
  • $3,307 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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