ZIP 95139, 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 95139, San Jose Market Snapshot

ZIP 95139 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 10 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through September 2026

SalesWhat are homes selling for?
Median Sale Price
$1.35M
▲ Up 16.1% from September 2025
Up $187K from September 2025
Homes Sold
10
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$9,065/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,476
  • Property Tax$1,406
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
27 days
▼ 6 fewer days than in September 2025
Homes typically sell within a month
Sale-to-List Ratio
99.6%
▼ Down from 101.6% in September 2025
Selling at or near asking price
% Sold Over Asking
40%
40% of homes sold above asking, some competition
Active Listings
7
▲ Up 24.3% 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 95139, San Jose.

Median Sale Price
Up 16.1% year-over-year in 95139, San Jose. Based on 10 sales in the last 3 months.
Homes Sold
About the same sales volume as a year ago in 95139, San Jose.
Total Monthly Payment
Estimated monthly cost is up 23% from a year ago in 95139, 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 95139

Is now a good time to buy in ZIP 95139?

ZIP 95139 leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

How do ZIP 95139 home prices compare to the Bay Area average?

At $1.35M, ZIP 95139's median sits about 24% 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 95139 is one of the more accessible corners of the Bay Area.

This is close to the San Jose city-wide median of $1.35M.

By home type:

  • Single-family homes at $1.39M
  • Townhomes at $735K
What price range should I budget for in ZIP 95139?

Prices in ZIP 95139 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.39M
  • Townhomes at $735K

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 95139 for buyers?

ZIP 95139 currently leans toward buyers:

  • Homes sell about 0.4% below asking on average
  • 40% close above list price
  • 27 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 95139 home?

At $1.35M with 20% down at 7.4%, your estimated total monthly cost is approximately $9,065:

  • $7,476 principal and interest
  • $1,406 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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