95120 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95120 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 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
8 sales in 2026 (year to date)
Median Sale Price
$1,262,500
Days to Sell
11
Homes Sold
8
Inventory
11
Jumbo Loan Likely Needed
The median home in 95120 at $1,262,500 exceeds the 2026 conforming loan limit of $1,249,125 by $13,375. 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
95120 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 95120 at $1,262,500 exceeds the 2026 conforming loan limit of $1,249,125 by $13,375. 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 95120 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 95120
To purchase the median home at $1,262,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,823.
Monthly Payment
$9,823
Income Required
$420,980
Principal & Interest
$7,779/mo
Down Payment (5%)
$63,125
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 95120.
Estimated Monthly Payment
$7,963
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