95046 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95046 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Santa Clara County county page for broader data.
Market Sales Data
7 sales in 2026 (year to date)
Median Sale Price
$1,750,000
Days to Sell
12
Homes Sold
7
Inventory
7
Jumbo Loan Likely Needed
The median home in 95046 at $1,750,000 exceeds the 2026 conforming loan limit of $1,249,125 by $500,875. 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
95046 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 95046 at $1,750,000 exceeds the 2026 conforming loan limit of $1,249,125 by $500,875. 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 95046 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 95046
To purchase the median home at $1,750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,558.
Monthly Payment
$13,558
Income Required
$581,055
Principal & Interest
$10,783/mo
Down Payment (5%)
$87,500
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 95046.
Estimated Monthly Payment
$10,980
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 95046.
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