ZIP 95136, 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 95136, San Jose Market Snapshot

ZIP 95136 is shifting toward buyers. Here's where things stand:

Based on 75 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
$1.19M
▼ Down 17.6% from September 2025
Down $256K from September 2025
Homes Sold
75
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,041/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$6,614
  • Property Tax$1,244
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
31 days
▲ 7 more days than in September 2025
Buyers have time to decide
Sale-to-List Ratio
100.8%
▼ Down from 102.9% in September 2025
Selling at or near asking price
% Sold Over Asking
39%
39% of homes sold above asking, some competition
Active Listings
69
▲ Up 87.2% from September 2025
About 2.8 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95136, San Jose.

Median Sale Price
Down 17.6% year-over-year in 95136, San Jose. Based on 75 sales in the last 3 months.
Homes Sold
4% fewer homes sold than a year ago in 95136, San Jose.
Total Monthly Payment
Estimated monthly cost is down 12% from a year ago in 95136, 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 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95136

Is now a good time to buy in ZIP 95136?

ZIP 95136 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 95136 home prices compare to the Bay Area average?

At $1.19M, ZIP 95136's median sits about 33% below the Bay Area average of $1.77M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 95136 is one of the more accessible corners of the Bay Area.

Within San Jose, this area trades about 12% below the city-wide median of $1.35M.

By home type:

  • Single-family homes at $1.53M
  • Townhomes at $890K
  • Condos at $770K
What price range should I budget for in ZIP 95136?

Prices in ZIP 95136 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.53M
  • Townhomes at $890K
  • Condos at $770K

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 95136 for buyers?

ZIP 95136 currently leans toward buyers:

  • Homes sell about 0.8% above asking on average
  • 39% close above list price
  • 31 days typical time to go pending
  • 33% of listings have had a price reduction

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 95136 home?

At $1.19M with 20% down at 7.4%, your estimated total monthly cost is approximately $8,041:

  • $6,614 principal and interest
  • $1,244 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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