ZIP 95032, Los Gatos Housing Market · 2026

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

ZIP 95032, Los Gatos Market Snapshot

ZIP 95032 favors sellers and competition is intensifying. Here's the picture:

Based on 57 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
$2.25M
Down 6.3% from March 2025
Down $150K from March 2025
Homes Sold
57
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,940/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$11,413
  • Property Tax$2,344
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
10 days
5 fewer days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
104.1%
Up from 102.6% in March 2025
Selling 4% above asking
% Sold Over Asking
63%
More than half of homes sold above their asking price
Active Listings
37
Down 28.8% from March 2025
About 0.6 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95032, Los Gatos.

Median Sale Price
Down 6.3% year-over-year in 95032, Los Gatos. Based on 57 sales in the most recent month.
Homes Sold
11% fewer homes sold than a year ago in 95032, Los Gatos.
Total Monthly Payment
Estimated monthly cost is down 8% from a year ago in 95032, 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 95032

Is now a good time to buy in ZIP 95032?

ZIP 95032 favors sellers and competition is intensifying. Buyers should prepare strong offers and expect limited room to negotiate on well-priced listings.

How do ZIP 95032 home prices compare to the Bay Area average?

At $2.25M, ZIP 95032's median is close to the Bay Area average of $1.88M.

This is close to the Los Gatos city-wide median of $2.46M.

By home type:

  • Single-family homes at $2.85M
  • Townhomes at $1.60M
  • Condos at $525K
What price range should I budget for in ZIP 95032?

Prices in ZIP 95032 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.85M
  • Townhomes at $1.60M
  • Condos at $525K

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 95032 for buyers?

ZIP 95032 currently favors sellers:

  • Homes sell about 4% above asking on average
  • 63% close above list price
  • 10 days typical time to go pending

Buyer strategy: well-priced homes still move quickly, but there is modest room for strong offers. Come in pre-approved with a clear plan.

What will my total monthly cost be on a median-priced ZIP 95032 home?

At $2.25M with 20% down at 6.53%, your estimated total monthly cost is approximately $13,940:

  • $11,413 principal and interest
  • $2,344 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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