95014 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95014 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$1,500,000
Days to Sell
23
Homes Sold
13
Inventory
13
Sale-to-List
100.1%
New Listings
26
Price/SqFt
$1,035
Pending Sales
15
Jumbo Loan Likely Needed
The median home in 95014 at $1,500,000 exceeds the 2026 conforming loan limit of $1,249,125 by $250,875. 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 95014 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 95014 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 95014 at $1,500,000 exceeds the 2026 conforming loan limit of $1,249,125 by $250,875. 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 95014 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 95014
To purchase the median home at $1,500,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,643.
Monthly Payment
$11,643
Income Required
$498,965
Principal & Interest
$9,243/mo
Down Payment (5%)
$75,000
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 95014.
Estimated Monthly Payment
$9,433
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