94022 — Santa Clara County, California Market Snapshot
Housing market data for zip code 94022 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$1,365,000
Days to Sell
42
Homes Sold
13
Inventory
16
Sale-to-List
98.0%
New Listings
18
Price/SqFt
$1,085
Pending Sales
10
Jumbo Loan Likely Needed
The median home in 94022 at $1,365,000 exceeds the 2026 conforming loan limit of $1,249,125 by $115,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
94022's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 94022 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 94022 at $1,365,000 exceeds the 2026 conforming loan limit of $1,249,125 by $115,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94022 are set at the county level.
2026 Loan Limits — Santa Clara County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94022
To purchase the median home at $1,365,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,608.
Monthly Payment
$10,608
Income Required
$454,637
Principal & Interest
$8,411/mo
Down Payment (5%)
$68,250
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94022.
Estimated Monthly Payment
$8,598
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