Thousand Oaks, San Jose Housing Market · 2026
Data through Sep 2026
Thousand Oaks, San Jose Market Snapshot
Thousand Oaks leans toward buyers, though competition has been picking up recently. Here's where things stand:
- Homes are sitting for 47+ days. Buyers have the luxury of patience here
- Selling at or near list price. Fair offers are competitive here
- Loan payment: $9,065/mo P&I (7.32%, 20% down on a $1.65M home) · Est. total ~$10,967/mo with tax + insurance.
- Thousand Oaks pricing is 22% above the San Jose median ($1.65M vs. $1.35M)
Based on 5 homes sold in the 3 months ending September 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 September 2026
- Principal & Interest$9,065
- Property Tax$1,718
- Insurance$183
Market Trends
See how prices, monthly costs, and mortgage rates have moved in Thousand Oaks.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
Frequently asked questions about Thousand Oaks, San Jose
- Is now a good time to buy in Thousand Oaks, San Jose?
Thousand Oaks, San Jose leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.
- How do Thousand Oaks, San Jose home prices compare to the Bay Area average?
At $1.65M, Thousand Oaks, San Jose's median is close to the Bay Area average of $1.77M.
Within San Jose, this area trades about 22% above the city-wide median of $1.35M.
By home type:
- Single-family homes at $1.73M
- Townhomes at $862K
- What price range should I budget for in Thousand Oaks, San Jose?
Prices in Thousand Oaks, San Jose depend heavily on home type and specific neighborhood. Median sale prices by type:
- Single-family homes at $1.73M
- Townhomes at $862K
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 Thousand Oaks, San Jose for buyers?
Thousand Oaks, San Jose currently leans toward buyers:
- Homes sell about 0.5% above asking on average
- 40% close above list price
- 47 days typical time to go pending
Buyer strategy: a well-structured offer near or below list price has a good chance of success.
- What will my total monthly cost be on a median-priced Thousand Oaks, San Jose home?
At $1.65M with 20% down at 7.32%, your estimated total monthly cost is approximately $10,967:
- $9,065 principal and interest
- $1,718 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.
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