95111 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95111 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$1,098,000
Days to Sell
22
Homes Sold
54
Inventory
43
Sale-to-List
102.7%
New Listings
81
Price/SqFt
$674
Pending Sales
57
Conforming Loan Available
The median home in 95111 at $1,098,000 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
Homes in 95111 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 95111 are selling 2.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95111 at $1,098,000 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 95111 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 95111
To purchase the median home at $1,098,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,563.
Monthly Payment
$8,563
Income Required
$366,966
Principal & Interest
$6,766/mo
Down Payment (5%)
$54,900
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 95111.
Estimated Monthly Payment
$6,945
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 95111. Tell us what you're looking for.