ZIP 95014, Cupertino Housing Market · 2026

Data through Jul 2026 · Part of the Cupertino housing market

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

ZIP 95014, Cupertino Market Snapshot

ZIP 95014 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 80 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
$3.06M
Down 2.5% from July 2025
Down $77K from July 2025
Homes Sold
80
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$19,176/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$15,807
  • Property Tax$3,186
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
16 days
2 more days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
105.5%
Up from 104.4% in July 2025
Selling 5% above asking
% Sold Over Asking
62%
More than half of homes sold above their asking price
Active Listings
59
Up 96.3% from July 2025
About 2.3 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95014, Cupertino.

Median Sale Price
Down 2.5% year-over-year in 95014, Cupertino. Based on 80 sales in the last 3 months.
Homes Sold
12% fewer homes sold than a year ago in 95014, Cupertino.
Total Monthly Payment
Estimated monthly cost is down 3% from a year ago in 95014, Cupertino, 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 ZIP 95014

Is now a good time to buy in ZIP 95014?

ZIP 95014 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 ZIP 95014 home prices compare to the Bay Area average?

At $3.06M, ZIP 95014's median sits about 70% above the Bay Area average of $1.80M. ZIP 95014 is on the higher end of the regional market.

This is close to the Cupertino city-wide median of $3.06M.

By home type:

  • Single-family homes at $3.33M
  • Townhomes at $1.31M
  • Condos at $1.69M
What price range should I budget for in ZIP 95014?

Prices in ZIP 95014 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $3.33M
  • Townhomes at $1.31M
  • Condos at $1.69M

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 ZIP 95014 for buyers?

ZIP 95014 is one of the Bay Area's more competitive markets:

  • Homes sell about 5% above asking on average
  • 62% close above list price
  • 16 days typical time to go pending
  • 24% 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 ZIP 95014 home?

At $3.06M with 20% down at 6.71%, your estimated total monthly cost is approximately $19,176:

  • $15,807 principal and interest
  • $3,186 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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