ZIP 95051, 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 95051, Santa Clara Market Snapshot

ZIP 95051 favors sellers, but smart buyers can still win. Here's the picture:

Based on 107 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
$1.88M
Up 6.2% from July 2025
Up $110K from July 2025
Homes Sold
107
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$11,856/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$9,714
  • Property Tax$1,958
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
16 days
1 more day than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
105.1%
Down from 105.6% in July 2025
Selling 5% above asking
% Sold Over Asking
59%
More than half of homes sold above their asking price
Active Listings
61
Up 52.6% from July 2025
About 1.8 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95051, Santa Clara.

Median Sale Price
Up 6.2% year-over-year in 95051, Santa Clara. Based on 107 sales in the last 3 months.
Homes Sold
9% fewer homes sold than a year ago in 95051, Santa Clara.
Total Monthly Payment
Estimated monthly cost is up 6% from a year ago in 95051, 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 95051

Is now a good time to buy in ZIP 95051?

ZIP 95051 currently favors sellers. Homes sell near or above asking, and well-priced listings move quickly. Buyers who come in prepared with strong financing and realistic expectations tend to succeed.

How do ZIP 95051 home prices compare to the Bay Area average?

At $1.88M, ZIP 95051's median is close to the Bay Area average of $1.80M.

Within Santa Clara, this area trades about 11% above the city-wide median of $1.70M.

By home type:

  • Single-family homes at $2.14M
  • Townhomes at $1.39M
  • Condos at $650K
What price range should I budget for in ZIP 95051?

Prices in ZIP 95051 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.14M
  • Townhomes at $1.39M
  • Condos at $650K

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 95051 for buyers?

ZIP 95051 currently favors sellers:

  • Homes sell about 5% above asking on average
  • 59% close above list price
  • 16 days typical time to go pending
  • 26% of listings have had a price reduction

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 95051 home?

At $1.88M with 20% down at 6.71%, your estimated total monthly cost is approximately $11,856:

  • $9,714 principal and interest
  • $1,958 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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