Santa Clara County, California Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Santa Clara County, California.
2026 Loan Limits in Santa Clara County
| Property Type | Conforming | FHA |
|---|---|---|
| 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 - Santa Clara County, California
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Santa Clara County
Jump into ZIP-level market pages for this county.
- 94022
- 94024
- 94028
- 94040
- 94041
- 94043
- 94085
- 94086
- 94087
- 94089
- 94301
- 94303
- 94304
- 94305
- 94306
- 94550
- 95002
- 95008
- 95013
- 95014
- 95020
- 95023
- 95030
- 95032
- 95033
- 95035
- 95037
- 95046
- 95050
- 95051
- 95053
- 95054
- 95070
- 95076
- 95110
- 95111
- 95112
- 95113
- 95116
- 95117
- 95118
- 95119
- 95120
- 95121
- 95122
- 95123
- 95124
- 95125
- 95126
- 95127
- 95128
- 95129
- 95130
- 95131
- 95132
- 95133
- 95134
- 95135
- 95136
- 95138
- 95139
- 95140
- 95148