95121 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95121 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$1,305,000
Days to Sell
12
Homes Sold
29
Inventory
13
Sale-to-List
107.4%
New Listings
43
Price/SqFt
$928
Pending Sales
30
Jumbo Loan Likely Needed
The median home in 95121 at $1,305,000 exceeds the 2026 conforming loan limit of $1,249,125 by $55,875. 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
95121 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 95121 are selling 7.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95121 at $1,305,000 exceeds the 2026 conforming loan limit of $1,249,125 by $55,875. 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 95121 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 95121
To purchase the median home at $1,305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,148.
Monthly Payment
$10,148
Income Required
$434,935
Principal & Interest
$8,041/mo
Down Payment (5%)
$65,250
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 95121.
Estimated Monthly Payment
$8,226
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