95132 — Santa Clara County, California Market Snapshot
Housing market data for zip code 95132 in Santa Clara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$1,650,000
Days to Sell
10
Homes Sold
35
Inventory
29
Sale-to-List
104.4%
New Listings
65
Price/SqFt
$1,036
Pending Sales
38
Jumbo Loan Likely Needed
The median home in 95132 at $1,650,000 exceeds the 2026 conforming loan limit of $1,249,125 by $400,875. 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
95132 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 95132 are selling 4.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 95132 at $1,650,000 exceeds the 2026 conforming loan limit of $1,249,125 by $400,875. 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 95132 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 95132
To purchase the median home at $1,650,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,792.
Monthly Payment
$12,792
Income Required
$548,219
Principal & Interest
$10,167/mo
Down Payment (5%)
$82,500
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 95132.
Estimated Monthly Payment
$10,361
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 95132.
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