95037 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95037 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$912,500
Days to Sell
17
Homes Sold
12
Inventory
25
Sale-to-List
100.0%
New Listings
40
Price/SqFt
$517
Pending Sales
17
Conforming Loan Available
Most homebuyers in 95037 can comfortably use conventional financing. The median home price of $912,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 95037 are moving quickly at 17 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 95037 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 95037 can comfortably use conventional financing. The median home price of $912,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 95037 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 95037
To purchase the median home at $912,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,141.
Monthly Payment
$7,141
Income Required
$306,055
Principal & Interest
$5,623/mo
Down Payment (5%)
$45,625
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 95037.
Estimated Monthly Payment
$5,797
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