95131 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95131 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$1,275,000
Days to Sell
12
Homes Sold
59
Inventory
34
Sale-to-List
103.8%
New Listings
82
Price/SqFt
$774
Pending Sales
66
Jumbo Loan Likely Needed
The median home in 95131 at $1,275,000 exceeds the 2026 conforming loan limit of $1,249,125 by $25,875. 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
95131 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 95131 are selling 3.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95131 at $1,275,000 exceeds the 2026 conforming loan limit of $1,249,125 by $25,875. 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 95131 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 95131
To purchase the median home at $1,275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,919.
Monthly Payment
$9,919
Income Required
$425,085
Principal & Interest
$7,856/mo
Down Payment (5%)
$63,750
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 95131.
Estimated Monthly Payment
$8,041
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