ZIP 95130, San Jose Housing Market · 2026

Data through Jul 2026 · Part of the San Jose housing market

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

ZIP 95130, San Jose Market Snapshot

ZIP 95130 is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 22 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
$2.10M
Down 2.4% from July 2025
Down $51K from July 2025
Homes Sold
22
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,220/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$10,849
  • Property Tax$2,187
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
15 days
2 more days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
101.0%
Down from 104.1% in July 2025
Selling at or near asking price
% Sold Over Asking
57%
More than half of homes sold above their asking price
Active Listings
10
Up 7.1% from July 2025
About 1.4 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95130, San Jose.

Median Sale Price
Down 2.4% year-over-year in 95130, San Jose. Based on 22 sales in the last 3 months.
Homes Sold
27% fewer homes sold than a year ago in 95130, San Jose.
Total Monthly Payment
Estimated monthly cost is down 3% from a year ago in 95130, San Jose, 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 95130

Is now a good time to buy in ZIP 95130?

ZIP 95130 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 95130 home prices compare to the Bay Area average?

At $2.10M, ZIP 95130's median is close to the Bay Area average of $1.80M.

Within San Jose, this area trades about 50% above the city-wide median of $1.40M.

How competitive is ZIP 95130 for buyers?

ZIP 95130 is a balanced market where neither side dominates:

  • Homes sell about 1% above asking on average
  • 57% close above list price
  • 15 days typical time to go pending
  • 30% 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 95130 home?

At $2.10M with 20% down at 6.71%, your estimated total monthly cost is approximately $13,220:

  • $10,849 principal and interest
  • $2,187 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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