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.”
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 Mar 2026 · Part of the San Jose housing market
ZIP 95138 is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:
Based on 19 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through March 2026
See how prices, monthly costs, and mortgage rates have moved in 95138, San Jose.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
ZIP 95138 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.
At $1.39M, ZIP 95138's median sits about 26% below the Bay Area average of $1.88M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 95138 is one of the more accessible corners of the Bay Area.
This is close to the San Jose city-wide median of $1.47M.
By home type:
Prices in ZIP 95138 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 95138 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 $1.39M with 20% down at 6.53%, your estimated total monthly cost is approximately $8,651:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
→“Mel did an amazing job helping us buy our first home. When we first met her, we had done literally zero of the steps needed to buy a house, and 28 days later we closed.”
“I work in commercial real estate with many different agents and I can proudly say that Mel is above the rest.”
“Working with Mel was the best decision I made in my home-buying journey. She was incredibly patient, taking the time to explain every detail of the process to me.”
“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.”
I read every message and usually reply the same day.
