95123 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95123 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
163 sales in 2026 (year to date)
Median Sale Price
$1,300,000
Days to Sell
14
Homes Sold
163
Inventory
89
Sale-to-List
102.7%
New Listings
210
Price/SqFt
$811
Pending Sales
167
Jumbo Loan Likely Needed
The median home in 95123 at $1,300,000 exceeds the 2026 conforming loan limit of $1,249,125 by $50,875. 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 95123 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 95123 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 95123 at $1,300,000 exceeds the 2026 conforming loan limit of $1,249,125 by $50,875. 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 95123 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 95123
To purchase the median home at $1,300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,110.
Monthly Payment
$10,110
Income Required
$433,294
Principal & Interest
$8,010/mo
Down Payment (5%)
$65,000
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 95123.
Estimated Monthly Payment
$8,195
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95123. Tell us what you're looking for.