Gilroy, California.
Typical home $1,044,931 (+1.0% in a year), asking rent $3,099 (+4.1%). San Jose-Sunnyvale-Santa Clara, CA metro.
to buy the typical home at today's mortgage rate — +$2,692 (+96%) since Jan 2020.
- 1 year
- Up $10,427 +1%
- $1,034,504$1,044,931 since Sep 2025
- 5 years
- Up $90,866 +10%
- $954,065$1,044,931 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Gilroy$5,485
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 38 years.
Typical home values in Gilroy, CA rose 1.0% over the past year — in step with the nation.
Asking rents in Gilroy, CA rose 4.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Gilroy runs $4,088/mo more than renting one. The gap peaked at $4,637 in Jan 2025.
That is $7,187 a month against $3,099 rent: a $5,485 mortgage payment, plus $584 property tax and $1,119 insurance & upkeep.
Owning vs renting — Gilroy
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$7,187
- Renting$3,099
- Mortgage only$5,485
Property tax · $584/mo 0.67% of value a year — the ACS 2020-2024 median bill over the median home value for Santa Clara County, CA
Insurance & upkeep · $1,119/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Gilroy, Santa Clara County, California
Gilroy is a city of 59,520 people in Santa Clara County. Half its households earn more than $133,107 a year and half less, against $164,281 across Santa Clara County; 7% of its people live below the poverty line. 62% of its homes are lived in by their owners and 38% are rented. Unemployment in Gilroy was 4.6% in August 2026, and Santa Clara County had 0.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Gilroy is a city in the southern part of Santa Clara County. Residents are somewhat younger than in many American towns, and most households own the homes they live in. Incomes in Gilroy run below the county's, and a typical home here is expensive while rents are high too. A four-year degree is less common among adults than it is in many parts of the county.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, or in manufacturing. Gilroy Unified, the local school district, is the largest workplace in town, and Olam West Coast and Pulmuone Foods are among the food businesses that employ people here. The typical commute is a fairly long one, and some residents work from home. Unemployment has eased a little compared with a year earlier.
Things to do. Gilroy Gardens, an amusement park, and Christmas Hill Park both sit in or beside town. A short drive away are Uvas Reservoir and Uvas Creek, good for time by the water. Farther afield, Mission San Juan Bautista is a museum worth a longer drive. Winters are cool and mild, summers are warm, snow is rare, and the year brings a modest amount of rain.
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- 17,459households
- 29%of adults have a degree
- 7%below the poverty line
- 33 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Santa Clara County had 1,119,582 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 60° and lows near 37°; warmest in July, with highs near 87° and lows near 54°. About 20 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Gilroy weather station, a mile away (NOAA).
Largest workplaces in Gilroy
- Gilroy UnifiedSchool district882FTE
- The G.B. GroupCondominium, multifamily, construction general contractors408
- Olam West CoastVegetables dehydrating335
- Foodservice Gilroy255
- Pulmuone Foods_GilroyFood industry245
- Manila HoldingsSkilled nursing facilities181
- Atorias Baking CompanyBread and bread-type rolls made in commercial bakeries179
- CintasIndustrial launderers164
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 43 workplaces with 20 or more staff, 3,798 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingVery high
- EarthquakesRelatively high
- WildfireRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gilroy’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Santa Clara County and the San Jose-Sunnyvale-Santa Clara, CA metro.
Gilroy home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gilroy$1,044,931
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Gilroy listings, and the typical home goes pending in 24 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Gilroy21.99%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Gilroy24
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gilroy117
New listings per month
Sellers arriving at the market.
- Gilroy38
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Gilroy$1,079,025
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Gilroy100.37%
Zip codes with a Gilroy address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gilroy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.