95117 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95117 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$1,850,000
Days to Sell
15
Homes Sold
25
Inventory
27
Sale-to-List
106.3%
New Listings
53
Price/SqFt
$989
Pending Sales
31
Jumbo Loan Likely Needed
The median home in 95117 at $1,850,000 exceeds the 2026 conforming loan limit of $1,249,125 by $600,875. 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 95117 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 95117 are selling 6.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95117 at $1,850,000 exceeds the 2026 conforming loan limit of $1,249,125 by $600,875. 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 95117 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 95117
To purchase the median home at $1,850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,324.
Monthly Payment
$14,324
Income Required
$613,890
Principal & Interest
$11,399/mo
Down Payment (5%)
$92,500
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 95117.
Estimated Monthly Payment
$11,599
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 95117.
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