ZIP Code Market Report · Updated May 2026
Is 95101 a Buyer's
or Seller's Market?
📍 San Jose, California · CA
88
🔥 HOT
Seller's market — move fast
9 days avg on market · Tax rate: 0.79%/yr
Mortgage Breakdown — 95101
Median Price$1,100,000
20% Down$220,000
Loan Amount$880,000
Rate (~6.7%)$5,678/mo P&I
Property Tax$724/mo
Total PITI$6,860/mo
Income Needed$228,666/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
29.3%
of FHA applications denied in San Jose-Sunnyvale-Santa Clara, CA, 2025 · national 22.1%
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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