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.”
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.”
Data through Mar 2026 · Part of the San Jose housing market
ZIP 95128 is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:
Based on 33 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through March 2026
See how prices, monthly costs, and mortgage rates have moved in 95128, San Jose.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
ZIP 95128 is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.
At $1.56M, ZIP 95128's median sits about 17% below the Bay Area average of $1.88M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 95128 is one of the more accessible corners of the Bay Area.
This is close to the San Jose city-wide median of $1.47M.
By home type:
Prices in ZIP 95128 depend heavily on home type and specific neighborhood. Median sale prices by type:
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.
ZIP 95128 is one of the Bay Area's more competitive markets:
Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.
At $1.56M with 20% down at 6.53%, your estimated total monthly cost is approximately $9,752:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
→“Mel did an amazing job helping us buy our first home. When we first met her, we had done literally zero of the steps needed to buy a house, and 28 days later we closed.”
“I work in commercial real estate with many different agents and I can proudly say that Mel is above the rest.”
“Working with Mel was the best decision I made in my home-buying journey. She was incredibly patient, taking the time to explain every detail of the process to me.”
“Mel did an incredible job helping me find and purchase my first home! She was very responsive, professional, and knowledgeable.”
“Working with Mel was a fantastic experience from start to finish. We were immediately impressed by her active listening and her ability to translate our needs.”
I read every message and usually reply the same day.
