94086 — Santa Clara County, California Market Snapshot
Housing market data for zip code 94086 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$1,445,000
Days to Sell
20
Homes Sold
37
Inventory
12
Sale-to-List
104.1%
New Listings
37
Price/SqFt
$928
Pending Sales
35
Jumbo Loan Likely Needed
The median home in 94086 at $1,445,000 exceeds the 2026 conforming loan limit of $1,249,125 by $195,875. 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
Homes in 94086 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94086 are selling 4.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94086 at $1,445,000 exceeds the 2026 conforming loan limit of $1,249,125 by $195,875. 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 94086 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 94086
To purchase the median home at $1,445,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,221.
Monthly Payment
$11,221
Income Required
$480,906
Principal & Interest
$8,904/mo
Down Payment (5%)
$72,250
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 94086.
Estimated Monthly Payment
$9,093
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94086. Tell us what you're looking for.