ZIP 95138, San Jose Housing Market

ZIP 95138, San Jose Market Snapshot

ZIP 95138 is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 19 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$1.39M
Down 42.8% from March 2025
Down $1.03M from March 2025
Homes Sold
19
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,484/mo
6.3% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$6,858
  • Property Tax$1,443
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
34 days
24 more days than in March 2025
Buyers have time to decide
Sale-to-List Ratio
101.7%
Down from 103.1% in March 2025
Selling at or near asking price
% Sold Over Asking
37%
37% of homes sold above asking, some competition
Active Listings
8
Down 50.0% from March 2025
About 0.4 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95138, San Jose.

Median Sale Price
Down 42.8% year-over-year in 95138, San Jose. Based on 19 sales in the most recent month.
Homes Sold
14% fewer homes sold than a year ago in 95138, San Jose.
Total Monthly Payment
Estimated monthly cost is down 44% from a year ago in 95138, San Jose, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.3%. Your actual rate depends on your credit, down payment, and loan type.
Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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