Silver Creek, San Jose Housing Market · 2026

Data through Jul 2026

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

Silver Creek, San Jose Market Snapshot

Silver Creek 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 18 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$3.16M
Up 2.1% from July 2025
Up $64K from July 2025
Homes Sold
18
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$19,829/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$16,350
  • Property Tax$3,296
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
9 days
6 fewer days than in July 2025
Homes sell in a week or two
Sale-to-List Ratio
104.9%
Up from 100.3% in July 2025
Selling 5% above asking
% Sold Over Asking
76%
76% of homes sold above their asking price
Active Listings
12
Up 292.9% from July 2025
About 2.1 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Silver Creek.

Median Sale Price
Up 2.1% year-over-year in Silver Creek. Based on 18 sales in the last 3 months.
Homes Sold
About the same sales volume as a year ago in Silver Creek.
Total Monthly Payment
Estimated monthly cost is up 2% 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 6.71%. 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 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 Silver Creek, San Jose home prices compare to the Bay Area average?

At $3.16M, Silver Creek, San Jose's median sits about 76% above the Bay Area average of $1.80M. Silver Creek, San Jose is on the higher end of the regional market.

Within San Jose, this area trades about 126% above the city-wide median of $1.40M.

How competitive is Silver Creek, San Jose for buyers?

Silver Creek, San Jose is one of the Bay Area's more competitive markets:

  • Homes sell about 5% above asking on average
  • 76% close above list price
  • 9 days typical time to go pending
  • 20% of listings have had a price reduction

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 Silver Creek, San Jose home?

At $3.16M with 20% down at 6.71%, your estimated total monthly cost is approximately $19,829:

  • $16,350 principal and interest
  • $3,296 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra.

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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