95122 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95122 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$1,015,000
Days to Sell
14
Homes Sold
38
Inventory
18
Sale-to-List
104.7%
New Listings
45
Price/SqFt
$757
Pending Sales
37
Conforming Loan Available
The median home in 95122 at $1,015,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 95122 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 95122 are selling 4.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95122 at $1,015,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 95122 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 95122
To purchase the median home at $1,015,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,927.
Monthly Payment
$7,927
Income Required
$339,712
Principal & Interest
$6,254/mo
Down Payment (5%)
$50,750
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 95122.
Estimated Monthly Payment
$6,432
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