95119 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95119 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$1,507,500
Days to Sell
14
Homes Sold
18
Inventory
9
Sale-to-List
102.7%
New Listings
27
Price/SqFt
$915
Pending Sales
20
Jumbo Loan Likely Needed
The median home in 95119 at $1,507,500 exceeds the 2026 conforming loan limit of $1,249,125 by $258,375. 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
Homes in 95119 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 95119 are selling 2.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95119 at $1,507,500 exceeds the 2026 conforming loan limit of $1,249,125 by $258,375. 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 95119 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 95119
To purchase the median home at $1,507,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,700.
Monthly Payment
$11,700
Income Required
$501,428
Principal & Interest
$9,289/mo
Down Payment (5%)
$75,375
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 95119.
Estimated Monthly Payment
$9,480
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95119. Tell us what you're looking for.