Santa Clara, California.
Typical home $1,642,638 (+0.5% in a year), asking rent $3,958 (+7.9%). San Jose-Sunnyvale-Santa Clara, CA metro.
to buy the typical home at today's mortgage rate — +$4,349 (+102%) since Jan 2020.
- 1 year
- Up $7,692 +0%
- $1,634,946$1,642,638 since Sep 2025
- 5 years
- Up $282,891 +21%
- $1,359,747$1,642,638 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.
- Santa Clara$8,622
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Santa Clara, CA rose 0.5% over the past year — slower than the nation's +1.2%.
Asking rents in Santa Clara, CA rose 7.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Santa Clara runs $7,340/mo more than renting one. The gap peaked at $8,361 in Jan 2025.
That is $11,299 a month against $3,958 rent: a $8,622 mortgage payment, plus $918 property tax and $1,759 insurance & upkeep.
Owning vs renting — Santa Clara
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$11,299
- Renting$3,958
- Mortgage only$8,622
Property tax · $918/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 · $1,759/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 Santa Clara, Santa Clara County, California
Santa Clara is a city of 127,647 people in Santa Clara County. Half its households earn more than $178,958 a year and half less, against $164,281 across Santa Clara County; 8% of its people live below the poverty line. 41% of its homes are lived in by their owners and 59% are rented. Unemployment in Santa Clara was 3.9% in August 2026, and Santa Clara County had 0.3% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
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. Santa Clara is a city in the heart of Silicon Valley, home to a population that skews younger than much of the country. Incomes run above the county's, and a large share of adults hold a four-year degree. Most households rent rather than own, and both home values and rents sit well above what is typical nationally. Winters are mild and summers warm, with little rain or snow over the course of a year.
Work. Residents work mainly in professional and business services, in schools, hospitals and social care, in manufacturing, and in media and telecoms. Pure Storage, Applied Materials and Santa Clara University are among the largest workplaces in the city. Unemployment is a little lower than a year ago, and across the county the number of jobs has edged up slightly. A good number of residents work from home, and the typical commute is a modest one.
Things to do. Levi's Stadium, a stadium in or beside town, is the best known place nearby. California's Great America, an amusement park, is also in or beside town, and the Triton Museum of Art is a museum there as well. A short drive away, the Computer History Museum tells the story of the technology that shaped the valley.
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- 50,088households
- 66%of adults have a degree
- 8%below the poverty line
- 23 mintypical commute
- 26%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 42°; warmest in August, with highs near 81° and lows near 59°. About 13 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the San Jose weather station, 2 miles away (NOAA).
Largest workplaces in Santa Clara
- Pure StorageComputer data storage services6,423
- Applied MaterialsSemiconductor machinery manufacturing4,298
- Johnson JohnsonManufacturer of surgical medical instruments2,101
- Santa Clara UniversityUniversity or college2,023
- DPR Construction, A General PartnershipCommercial building construction general contractors1,770
- Santa Clara UnifiedSchool district1,690FTE
- Vantage Data CentersApplication hosting1,668
- Six FlagsAmusement parks1,200
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 145 workplaces with 20 or more staff, 33,046 people in all. Colleges come from IPEDS (NCES, 2023–24) and school districts 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
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Santa Clara’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.
Santa Clara home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Santa Clara$1,642,638
- 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 4 Santa Clara listings, and the typical home goes pending in 20 days — the market is cooling.
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.
- Santa Clara23.80%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Santa Clara20
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Santa Clara175
New listings per month
Sellers arriving at the market.
- Santa Clara69
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Santa Clara$1,666,470
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Santa Clara103.29%
Zip codes with a Santa Clara address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Santa Clara — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Santa Clara
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 95051 | Santa Clara | 62,054 | $3,922 | $1,792,706 |
| 95050 | Santa Clara | 39,834 | $3,644 | $1,540,698 |
| 95054 | Santa Clara | 25,704 | $4,163 | $1,431,915 |