ZIP 95071, Saratoga Housing Market · 2026

Data through Aug 2026 · Part of the Saratoga housing market

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

ZIP 95071, Saratoga Market Snapshot

ZIP 95071 is one of the most competitive markets in the Bay Area right now. Here's what you need to know:

Based on just 1 sale in the 3 months ending August 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Read this as a rough snapshot; a single transaction can move these numbers noticeably. Updated weekly.

Data through August 2026

SalesWhat are homes selling for?
Median Sale Price
$6.70M
Homes Sold
1
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$43,817/mo
7.28% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$36,658
  • Property Tax$6,976
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
0 days
Homes sell in under a week
Sale-to-List Ratio
111.7%
Selling 12% above asking
% Sold Over Asking
100%
100% of homes sold above their asking price
Active Listings
n/a

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95071, Saratoga.

Median Sale Price
Homes Sold
Total Monthly Payment
Estimated monthly cost is up 23% from a year ago in 95071, Saratoga, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 7.28%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95071

Is now a good time to buy in ZIP 95071?

Data for ZIP 95071 specifically is limited. Only 1 sale in the last 3 months is not enough to read neighborhood-level conditions, and one unusual transaction can dominate the reported numbers. Zooming out to the broader Saratoga market: saratoga favors sellers and competition is intensifying. Buyers should prepare strong offers and expect limited room to negotiate on well-priced listings.

How do ZIP 95071 home prices compare to Saratoga and the Bay Area?

ZIP 95071's one recent sale was at a median of $6.70M. That is notably above Saratoga's city-wide median of $4.20M. With only a single data point, it is hard to draw firm neighborhood-level conclusions. This could reflect a specific property or an unusual transaction rather than a broader trend. For context, the Bay Area median is $1.78M.

What will my total monthly cost be on a typical ZIP 95071 home?

Using the one recent sale as a rough anchor, monthly cost breakdown at 20% down at 7.28%:

  • $36,658 principal and interest
  • $6,976 property tax (California 1.25% effective rate)
  • Insurance is highly variable at this price point; plan on $1,500 to $3,000 per month rather than our default

Most buyers at this tier pay a meaningful share in cash. The actual number for any specific property depends on sale price, HOA if applicable, and lender.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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