ZIP 95021, Gilroy Housing Market · 2020

Data through Sep 2020 · Part of the Gilroy housing market

ZIP 95021, Gilroy Market Snapshot

ZIP 95021 offers real opportunities for buyers right now:

Based on just 1 sale in September 2020. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Read this as a rough snapshot; a single transaction can move these numbers noticeably. Updated weekly.

Data through September 2020

SalesWhat are homes selling for?
Median Sale Price
$579K
Homes Sold
1
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$3,723/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$2,937
  • Property Tax$603
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
124 days
Buyers have time to decide
Sale-to-List Ratio
86.5%
Selling 13% below asking
% Sold Over Asking
0%
No homes sold above asking. Few bidding wars right now
Active Listings
n/a

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95021, Gilroy.

Not enough data to chart a trend. ZIP 95021, Gilroy has 9 months of sales history so far. A meaningful trend needs at least 12 months of consistent sales.

Frequently asked questions about ZIP 95021

Is now a good time to buy in ZIP 95021?

Data for ZIP 95021 specifically is limited. Only 1 sale in the most recent month is not enough to read neighborhood-level conditions, and one unusual transaction can dominate the reported numbers. Zooming out to the broader Gilroy market: gilroy 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 ZIP 95021 home prices compare to Gilroy and the Bay Area?

ZIP 95021's one recent sale was at a median of $579K. That is roughly 47% below Gilroy's city-wide median of $1.09M. With only a single data point, it is hard to draw firm neighborhood-level conclusions. This could reflect a specific property or an unusual transaction rather than a broader trend. For context, the Bay Area median is $1.88M.

What will my total monthly cost be on a typical ZIP 95021 home?

Using the one recent sale as a rough anchor, your estimated total monthly cost with 20% down at 6.53% would be approximately $3,723:

  • $2,937 principal and interest
  • $603 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

The actual number for any specific property depends on sale price, HOA if applicable, and lender.

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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