City · 42,781 residents · Santa Clara County, California
Campbell, California
In Campbell, a typical home is worth $1,617,000 and typical rent is $2,737 a month. Compared with all of Santa Clara County, typical household income is 12% lower and the typical home value is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,429,643 to $1,837,614.
Typical rent
$3,433a month
▲ 7.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,766 to $3,433.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Campbell is in Santa Clara County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Santa Clara County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Burbank, the typical home value is $1,104,600: 32% less than in Campbell ($1,617,000).
2
Campbell has the 57th highest typical home value of the 654 cities in California with more than 5,000 people ($1,617,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Campbell
What homes there are in Campbell, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Campbell
Santa Clara County
California
United States
Kind of home: Campbell and its comparisons
Measure
Campbell
Santa Clara County
California
United States
Detached house
43%
51%
57%
61%
Attached house
13%
11%
7%
6%
Building of 2 to 4
17%
7%
8%
8%
Apartments (5 or more)
26%
29%
24%
19%
Mobile home
1%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Campbell there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); in Santa Clara County, 51%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Campbell
Santa Clara County
California
United States
Year built: Campbell and its comparisons
Measure
Campbell
Santa Clara County
California
United States
Before 1960
25%
22%
27%
26%
1960–1979
44%
38%
29%
24%
1980–1999
20%
20%
25%
25%
2000–2009
4%
9%
11%
14%
2010 or later
7%
11%
8%
11%
The typical year built in Campbell is 1972, about the same as in Santa Clara County (1975).
In Campbell, 22% of homes have 1 bedroom or none (studios); 50% have 3 bedrooms or more, against 56% in Santa Clara County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K3%
$500K–$750K6%
$750K–$1M8%
$1M or more79%
Value of owner-occupied homes: Campbell and its comparisons
Measure
Campbell
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
3%
$500K–$750K
6%
$750K–$1M
8%
$1M or more
79%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,9998%
$2,000–$2,49922%
$2,500–$2,99922%
$3,000 or more39%
Monthly rent with utilities: Campbell and its comparisons
Measure
Campbell
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
8%
$2,000–$2,499
22%
$2,500–$2,999
22%
$3,000 or more
39%
Without a mortgage
$961 a month
Santa Clara County: $1,155 a month
Owners with a mortgage
66%
Santa Clara County: 67%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Campbell+50%
Santa Clara County+52%
California+46%
United States+53%
Typical rent
Campbell+23%
Santa Clara County+26%
California+36%
United States+33%
Typical household income
Campbell+17%
Santa Clara County+32%
California+32%
United States+29%
Change since 2015–2019: Campbell and its comparisons
Measure
Campbell
Santa Clara County
California
United States
Typical home value
+50%
+52%
+46%
+53%
Typical rent
+23%
+26%
+36%
+33%
Typical household income
+17%
+32%
+32%
+29%
The typical home value in Campbell rose 50% since 2015–2019, about the same as in Santa Clara County (52%).
Rents in Campbell rose more slowly than in Santa Clara County: 23% since 2015–2019, against 26%.
The typical household income in Campbell rose 17%: less than home values (+50%) and rent (+23%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Campbell and its comparisons
Measure
Campbell
Santa Clara County
California
United States
Rental vacancy
3.6%
5.1%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
5.3%
7.5%
8.2%
3.4%
People per household
2.50
2.82
2.84
2.53
Drive alone
65%
60%
66%
69%
Carpool
6%
9%
10%
9%
Public transit
1%
2%
3%
3%
Walk or bike
2%
3%
3%
3%
Work from home
25%
24%
17%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Campbell, the rental vacancy rate is 3.6%; in Santa Clara County, 5.1%.
More than one person per room: that is how 5.3% of households in Campbell live, less than in Santa Clara County (7.5%).
Households in Campbell are smaller: 2.50 people on average; in Santa Clara County, 2.82.
The car rules in Campbell: 65% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Campbell?
A typical home costs more than the typical income allows
We start with a typical home in Campbell, worth $1,617,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 109% of the typical household income in Campbell, which is $145,268 a year. For that payment to be 28% of income, a household would need to earn about $567,436 a year. Note: at that price the loan is above the FHA limit for Santa Clara County ($1,249,125), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Santa Clara County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Campbell. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $56,595 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$13,240
at 7.18% · 30 years
Loan amount
$1,587,712
Total interest
$2,284,345
Paid off in
November 2056
Includes $27,307 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,390 a month
Tight
$3,390 to $4,358 a month
Hard
more than $4,358 a month
Your payment · 109%
Compared with the typical household income in Campbell ($145,268 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$10,756
Property tax
$835
Home insurance
$674
FHA mortgage insurance (MIP)
$975
This loan is over the FHA limit
You'd borrow $1,560,405, but the FHA limit for a one-unit home in Campbell is $1,249,125. You'd need a bigger down payment or a different loan.
You need at least $56,595 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $13,240; principal and interest $10,756.
The city and its county
Campbell and Santa Clara County
Campbell is in Santa Clara County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Campbell
Map of Santa Clara County, California, with Campbell marked. Around it, the neighboring counties.
Campbell
Santa Clara County
Other cities with a page
Campbell's own numbers
Typical home value
$1,617,000
Typical monthly rent
$2,737
Typical yearly household income
$145,268
Households that own their home
52%
Effective property tax rate
0.62%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Santa Clara County
FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$3,272
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
6.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Santa Clara County.
A typical home in Campbell is worth $1,617,000: 8% above the county and 120% above California. With the typical household income in Campbell ($145,268 a year), a typical home costs 11.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Campbell11.1 years
Santa Clara9.1 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Santa Clara County
According to FHFA’s house price index, home prices in Santa Clara County rose 64% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Santa Clara County.
Yearly change in FHFA’s price index in Santa Clara County, 2016 to 2025
2016: +9.7% +9.7% 2016
2017: +4.0% +4.0% 2017
2018: +11.8% +11.8% 2018
2019: −1.9% −1.9% 2019
2020: −3.0% −3.0% 2020
2021: +4.8% +4.8% 2021
2022: +15.7% +15.7% 2022
2023: +6.2% +6.2% 2023
2024: +5.3% +5.3% 2024
2025: −0.6% −0.6% 2025
Change in FHFA’s price index in Santa Clara County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.6%
+0.8%
+2.9%
5 years (2020–2025)
+35%
+40%
+47%
10 years (2015–2025)
+64%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Campbell next to Santa Clara County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Campbell$1,617,000
Santa Clara$1,490,600
California$734,700
United States$332,700
Typical monthly rent
Campbell$2,737
Santa Clara$2,857
California$2,036
United States$1,413
Typical yearly household income
Campbell$145,268
Santa Clara$164,281
California$99,122
United States$80,734
See the full table
Campbell next to Santa Clara County and California
Measure
Campbell
Santa Clara County
California
U.S.
Typical home value
$1,617,000 ▲8% above the county
$1,490,600
$734,700
$332,700
Typical monthly rent
$2,737 ▼4% below the county
$2,857
$2,036
$1,413
Typical yearly household income
$145,268 ▼12% below the county
$164,281
$99,122
$80,734
Households that own their home
52% ▼3 points below the county
55%
56%
65%
Typical yearly property tax
$9,962
$10,001
$5,124
$3,119
Effective property tax rate
0.62% ▼0.05 points below the county
0.67%
0.7%
0.94%
Renters with high rent for their income
50% ▲5 points above the county
45%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Santa Clara County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Campbell
For a typical $1,617,000 home in Campbell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Campbell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$13,240a month
Above the FHA limit for Santa Clara County ($1,249,125)
Down payment
$56,595
Cash to close
$105,105
Rate
7.18%
Mortgage insurance
FHA MIP · $975
Conventional, 5% down$12,684a month
Above the conventional limit for Santa Clara County ($1,249,125): it would be a "jumbo" loan
Down payment
$80,850
Cash to close
$129,360
Rate
7.18%
Mortgage insurance
PMI · $768
Conventional, 20% down, no PMI$10,272a month
Above the conventional limit for Santa Clara County ($1,249,125): it would be a "jumbo" loan
Down payment
$323,400
Cash to close
$371,910
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$11,767a month
Down payment
$242,550
Cash to close
$291,060
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Campbell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Santa Clara County ($1,249,125)
$13,240
$56,595
$1,587,712
7.18%
FHA MIP · $975
$105,105
580
Conventional, 5% down Above the conventional limit for Santa Clara County ($1,249,125): it would be a "jumbo" loan
$12,684
$80,850
$1,536,150
7.18%
PMI · $768
$129,360
620*
Conventional, 20% down, no PMI Above the conventional limit for Santa Clara County ($1,249,125): it would be a "jumbo" loan
$10,272
$323,400
$1,293,600
7.18%
None
$371,910
620*
ITIN, 15% down (example)
$11,767
$242,550
$1,374,450
8.18%
None
$291,060
Set by the lender
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Campbell is $2,737 a month: 4% below the county. In Campbell, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Santa Clara County, by unit size. To pay the 2-bedroom one ($3,272 a month) without spending more than 30% of your income, you would need to earn $62.92 an hour working full time.
HUD fair market rent for all of Santa Clara County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Santa Clara County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$2,458
$47.27
$98,320
1 bedroom
$2,778
$53.42
$111,120
2 bedrooms
$3,272
$62.92
$130,880
3 bedrooms
$4,396
$84.54
$175,840
4 bedrooms
$4,688
$90.15
$187,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Campbell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Campbell is in ZIP code 95008.
For 2 bedrooms it is $3,310: $38 more than the fair market rent for Santa Clara County ($3,272).
Fair market rent by ZIP code and size in Campbell, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95008
$2,490
$2,810
$3,310
$4,450
$4,740
ZIP code2 bd3 bd
95008 $3,310$4,450
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Campbell when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 8 buildings with rents for lower incomes in Campbell. These are the largest.
Rincon Gardens Rcg02400 W Rincon Ave, Campbell 95008200 homes, 198 low-income · 1 bd: 190 · 2 bd: 10 · In service since 2009 · For older adults
Wesley Manor1655 S Winchester Blvd, Campbell 95008156 low-income homes · For older adults(408) 374-9511
El Parador Senior Apts2565 S Bascom Ave, Campbell 95008125 homes, 124 low-income · 1 bd: 125 · In service since 2002 · For older adults
San Tomas Gardens825 S San Tomas Aquino Rd, Campbell 95008100 homes, 95 low-income · 2 bd: 58 · 3 bd: 30 · 4 bd: 12 · In service since 2015 · For families(408) 374-8741
Craig Gardens2580 S Bascom Ave, Campbell 9500890 homes, 89 low-income · 1 bd: 90 · In service since 2002 · For older adults
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 3 HUD-approved agencies with an office in Santa Clara County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Campbell or Santa Clara County. The ones below are statewide in California: they work in Campbell the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Campbell or Santa Clara County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Campbell and all of Santa Clara County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Campbell?
The typical home value in Campbell is $1,617,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Clara County it is $1,490,600.
How much does it cost to rent in Campbell?
Typical rent in Campbell is $2,737 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Santa Clara County is $3,272.
What is the FHA loan limit in Campbell?
Campbell uses the FHA limit for all of Santa Clara County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.
How much property tax do owners pay in Campbell?
The typical homeowner in Campbell pays $9,962 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Santa Clara County, the rate is 0.67%.
Where can I find free help to buy or rent in Campbell?
There are 3 HUD-approved counseling agencies with an office in Santa Clara County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
