ZIP 95132, San Jose Housing Market · 2026

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

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

ZIP 95132, San Jose Market Snapshot

ZIP 95132 is a balanced market, a good environment for thoughtful decisions on both sides:

Based on 65 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through September 2026

SalesWhat are homes selling for?
Median Sale Price
$1.58M
▼ Down 5.8% from September 2025
Down $98K from September 2025
Homes Sold
65
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$10,561/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$8,735
  • Property Tax$1,643
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
17 days
· Same as September 2025
Homes typically sell within a month
Sale-to-List Ratio
102.2%
▲ Up from 102.2% in September 2025
Selling at or near asking price
% Sold Over Asking
52%
More than half of homes sold above their asking price
Active Listings
46
▲ Up 83.3% from September 2025
About 2.2 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95132, San Jose.

Median Sale Price
Down 5.8% year-over-year in 95132, San Jose. Based on 65 sales in the last 3 months.
Homes Sold
25% more homes sold than a year ago in 95132, San Jose.
Total Monthly Payment
Estimated monthly cost is roughly flat compared to a year ago in 95132, San Jose.

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 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95132

Is now a good time to buy in ZIP 95132?

ZIP 95132 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.

How do ZIP 95132 home prices compare to the Bay Area average?

At $1.58M, ZIP 95132's median is close to the Bay Area average of $1.77M.

Within San Jose, this area trades about 17% above the city-wide median of $1.35M.

By home type:

  • Single-family homes at $1.68M
  • Townhomes at $998K
  • Condos at $730K
What price range should I budget for in ZIP 95132?

Prices in ZIP 95132 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.68M
  • Townhomes at $998K
  • Condos at $730K

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 95132 for buyers?

ZIP 95132 is a balanced market where neither side dominates:

  • Homes sell about 2% above asking on average
  • 52% close above list price
  • 17 days typical time to go pending
  • 31% 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 95132 home?

At $1.58M with 20% down at 7.4%, your estimated total monthly cost is approximately $10,561:

  • $8,735 principal and interest
  • $1,643 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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