ZIP 95020, Gilroy Housing Market

ZIP 95020, Gilroy Market Snapshot

ZIP 95020 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 69 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$1.10M
Down 6.0% from March 2025
Down $71K from March 2025
Homes Sold
69
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$6,806/mo
6.3% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$5,472
  • Property Tax$1,151
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
31 days
12 fewer days than in March 2025
Buyers have time to decide
Sale-to-List Ratio
100.4%
Down from 101.1% in March 2025
Selling at or near asking price
% Sold Over Asking
54%
More than half of homes sold above their asking price
Active Listings
76
Down 13.6% from March 2025
About 1.1 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95020, Gilroy.

Median Sale Price
Down 6.0% year-over-year in 95020, Gilroy. Based on 69 sales in the most recent month.
Homes Sold
9% fewer homes sold than a year ago in 95020, Gilroy.
Total Monthly Payment
Estimated monthly cost is down 8% from a year ago in 95020, Gilroy, 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 6.3%. Your actual rate depends on your credit, down payment, and loan type.
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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