ZIP 95050, Santa Clara Housing Market · 2026

Data through Jul 2026 · Part of the Santa Clara housing market

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

ZIP 95050, Santa Clara Market Snapshot

ZIP 95050 is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 61 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
$1.54M
Down 5.4% from July 2025
Down $87K from July 2025
Homes Sold
61
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$9,731/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,946
  • Property Tax$1,602
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
17 days
3 more days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
102.3%
Down from 103.1% in July 2025
Selling at or near asking price
% Sold Over Asking
49%
49% of homes sold above asking, some competition
Active Listings
37
Up 13.6% from July 2025
About 1.9 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95050, Santa Clara.

Median Sale Price
Down 5.4% year-over-year in 95050, Santa Clara. Based on 61 sales in the last 3 months.
Homes Sold
7% more homes sold than a year ago in 95050, Santa Clara.
Total Monthly Payment
Estimated monthly cost is down 6% from a year ago in 95050, Santa Clara, 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 95050

Is now a good time to buy in ZIP 95050?

ZIP 95050 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 95050 home prices compare to the Bay Area average?

At $1.54M, ZIP 95050's median is close to the Bay Area average of $1.80M.

This is close to the Santa Clara city-wide median of $1.70M.

By home type:

  • Single-family homes at $1.70M
  • Townhomes at $1.09M
  • Condos at $905K
What price range should I budget for in ZIP 95050?

Prices in ZIP 95050 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.70M
  • Townhomes at $1.09M
  • Condos at $905K

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 95050 for buyers?

ZIP 95050 is a balanced market where neither side dominates:

  • Homes sell about 2% above asking on average
  • 49% close above list price
  • 17 days typical time to go pending
  • 36% of listings have had a price reduction

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 95050 home?

At $1.54M with 20% down at 6.71%, your estimated total monthly cost is approximately $9,731:

  • $7,946 principal and interest
  • $1,602 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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