ZIP 95030, Los Gatos Housing Market · 2026

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

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

ZIP 95030, Los Gatos Market Snapshot

ZIP 95030 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 49 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
$3.82M
Up 24.6% from July 2025
Up $754K from July 2025
Homes Sold
49
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$23,928/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$19,761
  • Property Tax$3,983
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
28 days
7 fewer days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
99.8%
Up from 99.6% in July 2025
Selling at or near asking price
% Sold Over Asking
33%
33% of homes sold above asking, some competition
Active Listings
18
Down 32.6% from July 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 95030, Los Gatos.

Median Sale Price
Up 24.6% year-over-year in 95030, Los Gatos. Based on 49 sales in the last 3 months.
Homes Sold
7% more homes sold than a year ago in 95030, Los Gatos.
Total Monthly Payment
Estimated monthly cost is up 24% 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 6.71%. 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 leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

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

At $3.82M, ZIP 95030's median sits about 112% above the Bay Area average of $1.80M. ZIP 95030 is on the higher end of the regional market.

Within Los Gatos, this area trades about 37% above the city-wide median of $2.80M.

How competitive is ZIP 95030 for buyers?

ZIP 95030 currently leans toward buyers:

  • Homes sell about 0.2% below asking on average
  • 33% close above list price
  • 28 days typical time to go pending
  • 19% of listings have had a price reduction

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 ZIP 95030 home?

At $3.82M with 20% down at 6.71%, your estimated total monthly cost is approximately $23,928:

  • $19,761 principal and interest
  • $3,983 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra.

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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