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 Jul 2026 · Part of the San Jose housing market
ZIP 95131 is a balanced market, a good environment for thoughtful decisions on both sides:
Based on 46 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
See how prices, monthly costs, and mortgage rates have moved in 95131, San Jose.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
ZIP 95131 is a balanced market, a good environment for thoughtful decisions on both sides. Sellers can expect fair prices and buyers have time to negotiate without extreme pressure.
At $1.25M, ZIP 95131's median sits about 31% below the Bay Area average of $1.80M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 95131 is one of the more accessible corners of the Bay Area.
Within San Jose, this area trades about 11% below the city-wide median of $1.40M.
By home type:
Prices in ZIP 95131 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 95131 is a balanced market where neither side dominates:
Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.
At $1.25M with 20% down at 6.71%, your estimated total monthly cost is approximately $7,943:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
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“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.”
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