ZIP 95030, Los Gatos Housing Market · 2026

Data through Mar 2026 · Part of the Los Gatos housing market

ZIP 95030, Los Gatos Market Snapshot

ZIP 95030 is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 31 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
$3.50M
Up 0.5% from March 2025
Up $16K from March 2025
Homes Sold
31
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$21,582/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$17,753
  • Property Tax$3,646
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
11.5 days
0 fewer days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
102.7%
Down from 104.2% in March 2025
Selling at or near asking price
% Sold Over Asking
39%
39% of homes sold above asking, some competition
Active Listings
38
Up 22.6% from March 2025
About 1.2 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95030, Los Gatos.

Median Sale Price
Up 0.5% year-over-year in 95030, Los Gatos. Based on 31 sales in the most recent month.
Homes Sold
3% more homes sold than a year ago in 95030, Los Gatos.
Total Monthly Payment
Estimated monthly cost is down 2% from a year ago in 95030, Los Gatos, 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 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95030

Is now a good time to buy in ZIP 95030?

ZIP 95030 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 95030 home prices compare to the Bay Area average?

At $3.50M, ZIP 95030's median sits about 87% above the Bay Area average of $1.88M. ZIP 95030 is on the higher end of the regional market.

Within Los Gatos, this area trades about 42% above the city-wide median of $2.46M.

By home type:

  • Single-family homes at $3.52M
  • Townhomes at $1.66M
What price range should I budget for in ZIP 95030?

Prices in ZIP 95030 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $3.52M
  • Townhomes at $1.66M

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 95030 for buyers?

ZIP 95030 is a balanced market where neither side dominates:

  • Homes sell about 3% above asking on average
  • 39% close above list price
  • 11.5 days typical time to go pending

Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.

What will my total monthly cost be on a median-priced ZIP 95030 home?

At $3.50M with 20% down at 6.53%, your estimated total monthly cost is approximately $21,582:

  • $17,753 principal and interest
  • $3,646 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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