95127 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95127 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$1,217,500
Days to Sell
13
Homes Sold
72
Inventory
38
Sale-to-List
103.6%
New Listings
91
Price/SqFt
$855
Pending Sales
70
Conforming Loan Available
The median home in 95127 at $1,217,500 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
95127 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 95127 are selling 3.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95127 at $1,217,500 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 95127 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 95127
To purchase the median home at $1,217,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,478.
Monthly Payment
$9,478
Income Required
$406,204
Principal & Interest
$7,502/mo
Down Payment (5%)
$60,875
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 95127.
Estimated Monthly Payment
$7,685
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