95035 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95035 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$1,535,500
Days to Sell
13
Homes Sold
45
Inventory
24
Sale-to-List
106.9%
New Listings
62
Price/SqFt
$997
Pending Sales
44
Jumbo Loan Likely Needed
The median home in 95035 at $1,535,500 exceeds the 2026 conforming loan limit of $1,249,125 by $286,375. 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
95035 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 95035 are selling 6.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95035 at $1,535,500 exceeds the 2026 conforming loan limit of $1,249,125 by $286,375. 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 95035 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 95035
To purchase the median home at $1,535,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,915.
Monthly Payment
$11,915
Income Required
$510,622
Principal & Interest
$9,461/mo
Down Payment (5%)
$76,775
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 95035.
Estimated Monthly Payment
$9,653
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