Santa Clara County, California home prices
Typical home $1,562,682 · +0.3% in a year · property tax 0.67%
The typical home in Santa Clara County is worth $1,562,682, 105% more than the California typical home ($761,538). Values changed +0.3% in the past year and +16.8% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($10,485 on the typical home), versus 0.72% statewide.
Mortgage on the typical Santa Clara County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $312,536 | $1,250,146 | $8,410 | $0 | $1,655 | $10,065 | $431,400 |
| 10% down | $156,268 | $1,406,414 | $9,461 | $586 | $1,655 | $11,702 | $501,500 |
| 5% down | $78,134 | $1,484,548 | $9,987 | $619 | $1,655 | $12,260 | $525,400 |
| 3.5% down (FHA) | $54,694 | $1,534,378 | $10,322 | $691 | $1,655 | $12,668 | $542,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the San Jose metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Mateo County | $1,579,058 | +4.4% | 0.61% |
| Marin County | $1,484,731 | +4.8% | 0.66% |
| San Francisco County | $1,441,170 | +15.5% | 0.71% |
| Orange County | $1,174,873 | +3.2% | 0.66% |
| Santa Cruz County | $1,136,188 | +4.8% | 0.64% |
| Alameda County | $1,044,951 | -0.4% | 0.78% |
| Santa Barbara County | $988,595 | +4.3% | 0.65% |
| San Diego County | $926,979 | +0.8% | 0.68% |
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
| Los Angeles County | $871,674 | +0.4% | 0.68% |
Frequently asked questions
What is the average home price in Santa Clara County, CA?
The typical home value in Santa Clara County is $1,562,682 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Santa Clara County?
About $431,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Santa Clara County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).