Mortgage rates and loan limits in Santa Clara County, CA
In Santa Clara County, a one-unit home loan up to $1,249,125 is a conforming loan in 2026; anything above that is a jumbo loan. Median home values across the county's ZIP codes run from $371,200 to $1,924,500. The rate grid below shows illustrative pricing for this county by credit score and down payment.
See all-in costs for Santa Clara County2026 conforming loan limit
$1,249,125
High-cost area (FHFA)
Median home value, middle ZIP
$1,211,400
Census ACS 2023
California effective property tax
0.68%
Statewide, 2022
California average closing costs
$5,962
Statewide, 2025
Illustrative rates in Santa Clara County, CA
As of October 5, 2026, an illustrative 30-year fixed rate in Santa Clara County, CA is 7.75% (7.832% APR) for a 740 credit score with 20% down on a $1,100,000 home.
Priced October 5, 2026 from Ralo's live pricing engine for Santa Clara County on a $1,100,000 home. Re-priced weekly on business days.
| Credit score | 20% down | 5% down |
|---|---|---|
| 780 | 7.49% 7.557% APR | 7.49% 7.843% APR |
| 740 | 7.75% 7.832% APR | 7.625% 8.087% APR |
| 700 | 7.625% 7.782% APR | 7.625% 8.216% APR |
| 660 | 7.625% 7.84% APR | 7.625% 8.465% APR |
Est. principal & interest
$6,304/mo
740 score, 20% down on $1,100,000 — taxes and insurance vary by property
15-year fixed
7.25%
7.354% APR
7/6 ARM
7.25%
7.351% APR
Rates are illustrative examples, not a loan approval, rate lock, or commitment. Actual rates depend on credit score, LTV, occupancy, lock period, and loan amount. Ralo is an automated mortgage broker — not a lender — and earns a thin commission.
2026 conforming loan limits in Santa Clara County
FHFA designates Santa Clara County a high-cost area, so its limits are above the national baseline of $832,750 for a one-unit home. A loan at or under the limit can be sold to Fannie Mae or Freddie Mac and is priced as a conventional conforming loan. A loan above it is a jumbo loan.
| Property | 2026 limit |
|---|---|
| One unit | $1,249,125 |
| Two units | $1,599,375 |
| Three units | $1,933,200 |
| Four units | $2,402,625 |
Source: Federal Housing Finance Agency (FHFA), conforming loan limit values for 2026.
Home values by ZIP code in Santa Clara County
The 12 most populous of 37 ZIP codes with Census data. Values are medians for owner-occupied homes, not listing prices.
| ZIP code | Area | Median home value | Median household income |
|---|---|---|---|
| 95035 | Milpitas | $1,180,700 | $176,723 |
| 95123 | San Jose | $1,108,100 | $136,364 |
| 95020 | Santa Clara County | $1,005,600 | $134,242 |
| 95051 | Santa Clara | $1,623,600 | $185,632 |
| 95127 | Santa Clara County | $995,100 | $120,548 |
| 95111 | San Jose | $826,200 | $97,162 |
| 95112 | San Jose | $956,300 | $89,649 |
| 95125 | San Jose | $1,646,000 | $148,422 |
| 95122 | San Jose | $838,900 | $103,406 |
| 95124 | San Jose | $1,596,700 | $188,433 |
| 95037 | Santa Clara County | $1,152,400 | $158,256 |
| 94086 | Sunnyvale | $1,784,200 | $180,217 |
Source: US Census Bureau ACS 5-Year, 2023 five-year estimates.
Santa Clara County mortgage questions
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