San Jose Housing Market 2026
| Metric | San Jose |
|---|---|
| Median Home Price | $1,430,000 |
| 20% Down Payment | $286,000 |
| Loan Amount (80% LTV) | $1,144,000 |
| Est. P&I @ 6.5% 30yr | $7,231/mo |
| Median Household Income | $130,865/year |
| State Income Tax | 1%–13.3% |
Monthly Payment at Different Prices
| Home Price | 20% Down | P&I @ 6.5% | P&I @ 7% |
|---|---|---|---|
| $1,001,000 | $200,200 | $5,062/mo | $5,328/mo |
| $1,216,000 | $243,200 | $6,149/mo | $6,472/mo |
| $1,430,000 | $286,000 | $7,231/mo | $7,611/mo |
| $1,644,000 | $328,800 | $8,313/mo | $8,750/mo |
| $1,859,000 | $371,800 | $9,400/mo | $9,894/mo |
Calculate Your Exact San Jose Mortgage
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What is the average home price in San Jose?
The median home price in San Jose is approximately $1,430,000 as of 2026.
Can I afford a home in San Jose on $130,865?
With a median income of $130,865 and median home price of $1,430,000, the price-to-income ratio in San Jose is 10.9×. Most financial advisors recommend a home price no more than 3–5× your annual income.
Related: PITI Calculator · PMI Calculator