ZIP 95135, San Jose Housing Market · 2026

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

ZIP 95135, San Jose Market Snapshot

ZIP 95135 is shifting toward buyers. Here's where things stand:

Based on 80 homes sold in May 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through May 2026

SalesWhat are homes selling for?
Median Sale Price
$1.29M
Up 16.7% from May 2025
Up $184K from May 2025
Homes Sold
80
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,022/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$6,498
  • Property Tax$1,340
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
25 days
12 more days than in May 2025
Homes typically sell within a month
Sale-to-List Ratio
100.1%
Down from 101.8% in May 2025
Selling at or near asking price
% Sold Over Asking
38%
38% of homes sold above asking, some competition
Active Listings
62
Up 14.8% from May 2025
About 0.8 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95135, San Jose.

Median Sale Price
Up 16.7% year-over-year in 95135, San Jose. Based on 80 sales in the most recent month.
Homes Sold
13% more homes sold than a year ago in 95135, San Jose.
Total Monthly Payment
Estimated monthly cost is up 13% from a year ago in 95135, 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 6.49%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95135

Is now a good time to buy in ZIP 95135?

ZIP 95135 currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.

How do ZIP 95135 home prices compare to the Bay Area average?

At $1.29M, ZIP 95135's median sits about 31% below the Bay Area average of $1.85M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 95135 is one of the more accessible corners of the Bay Area.

This is close to the San Jose city-wide median of $1.40M.

By home type:

  • Condos at $795K
  • Single-family homes at $2.61M
  • Townhomes at $1.30M
What price range should I budget for in ZIP 95135?

Prices in ZIP 95135 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Condos at $795K
  • Single-family homes at $2.61M
  • Townhomes at $1.30M

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 95135 for buyers?

ZIP 95135 currently leans toward buyers:

  • Homes sell about 0.1% above asking on average
  • 38% close above list price
  • 25 days typical time to go pending

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced ZIP 95135 home?

At $1.29M with 20% down at 6.49%, your estimated total monthly cost is approximately $8,022:

  • $6,498 principal and interest
  • $1,340 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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