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City · 130,256 residents · Santa Clara County, California

Santa Clara , California

In Santa Clara, a typical home is worth $1,582,600 and typical rent is $3,016 a month. Compared with all of Santa Clara County, typical household income is 9% higher, the typical home value is 6% higher, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $1,582,600

    6% above the county

    115% above California

    • Santa Clara
    • County
    • California

  • Typical rent

    $3,016a month

    6% above the county

    48% above California

    • Santa Clara
    • County
    • California

  • Typical household income

    $178,958a year

    9% above the county

    81% above California

    • Santa Clara
    • County
    • California

  • Households that own their home

    41%

    14 points below the county

    15 points below California

    • Santa Clara
    • County
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,642,638
0.5% more than 12 months ago
Typical rent
$3,958 a month
7.9% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Santa Clara 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Santa Clara apart

What this place has that others do not, from public data, most unusual first.

  1. Santa Clara has the 17th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (37%).

  2. Nearby, in Burbank, the typical home value is $1,104,600: 30% less than in Santa Clara ($1,582,600).

  3. 41% of households in Santa Clara own their home, against 55% in Santa Clara County.

  4. Santa Clara has the 56th highest typical household income of the 659 cities in California with more than 5,000 people ($178,958).

  5. Santa Clara has the 60th highest typical home value of the 654 cities in California with more than 5,000 people ($1,582,600).

  6. Santa Clara has the 64th highest typical rent of the 648 cities in California with more than 5,000 people ($3,016).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Santa Clara

What homes there are in Santa Clara, 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

In Santa Clara, the apartment is the most common kind of home: 45%, against 29% in Santa Clara County.

Year built

The typical year built in Santa Clara is 1974, about the same as in Santa Clara County (1975).

Homes in Santa Clara are smaller: 41% have 3 bedrooms or more; in Santa Clara County, 56%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$4,000 or more a month

Santa Clara County: $4,000 or more a month

Without a mortgage

$921 a month

Santa Clara County: $1,155 a month

Owners with a mortgage

70%

Santa Clara County: 67%

With a mortgage, the typical cost of owning in Santa Clara is $4,000 or more a month, the highest group the Census publishes. Without one, $921.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Santa Clara rose 53% since 2015–2019, about the same as in Santa Clara County (52%).

Rents in Santa Clara rose at about the same pace as in Santa Clara County: 26% since 2015–2019, against 26%.

To compare: typical income in Santa Clara rose 42%; the home, +53%; the rent, +26%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSanta ClaraSanta Clara CountyCaliforniaUnited States
Rental vacancy 5.8%5.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 7.4%7.5%8.2%3.4%
People per household 2.522.822.842.53
Drive alone 58%60%66%69%
Carpool 7%9%10%9%
Public transit 3%2%3%3%
Walk or bike 4%3%3%3%
Work from home 26%24%17%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Santa Clara County, the rental vacancy rate in Santa Clara is 5.8%.

Much as in Santa Clara County, 7.4% of households in Santa Clara have more than one person per room.

On average, a household in Santa Clara has 2.52 people, fewer than in Santa Clara County (2.82).

The car rules in Santa Clara: 58% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Santa Clara?

A typical home costs more than the typical income allows

We start with a typical home in Santa Clara, worth $1,582,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 87% of the typical household income in Santa Clara, which is $178,958 a year. For that payment to be 28% of income, a household would need to earn about $553,103 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.

Your numbers

Local data
$

Starts at the typical home value in Santa Clara. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $55,391 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$12,906

at 7.18% · 30 years

Loan amount
$1,553,935
Total interest
$2,235,748
Paid off in
November 2056

Includes $26,726 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,176 a month

  • Tight

    $4,176 to $5,369 a month

  • Hard

    more than $5,369 a month

    Your payment · 87%

Compared with the typical household income in Santa Clara ($178,958 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$12,906
Principal & interest$10,527
Property tax$765
Home insurance$659
FHA mortgage insurance (MIP)$955

This loan is over the FHA limit

You'd borrow $1,527,209, but the FHA limit for a one-unit home in Santa Clara is $1,249,125. You'd need a bigger down payment or a different loan.

You need at least $55,391 for the down payment, plus closing costs.

Next step

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.

The city and its county

Santa Clara and Santa Clara County

Santa Clara 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).

Santa Clara's own numbers

Typical home value
$1,582,600
Typical monthly rent
$3,016
Typical yearly household income
$178,958
Households that own their home
41%
Effective property tax rate
0.58%

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.

Everything about Santa Clara County

Buying

Buying a home in Santa Clara

A typical home in Santa Clara is worth $1,582,600: 6% above the county and 115% above California. With the typical household income in Santa Clara ($178,958 a year), a typical home costs 8.8 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.

  • Santa Clara 8.8 years
  • County 9.1 years
  • California 7.4 years
  • United States 4.1 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.

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

Santa Clara 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
  • Santa Clara $1,582,600
  • County $1,490,600
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Santa Clara $3,016
  • County $2,857
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Santa Clara $178,958
  • County $164,281
  • California $99,122
  • United States $80,734
See the full table
Santa Clara next to Santa Clara County and California
Measure Santa Clara Santa Clara County California U.S.
Typical home value $1,582,600 $1,490,600 $734,700 $332,700
Typical monthly rent $3,016 $2,857 $2,036 $1,413
Typical yearly household income $178,958 $164,281 $99,122 $80,734
Households that own their home 41% 55% 56% 65%
Typical yearly property tax $9,234 $10,001 $5,124 $3,119
Effective property tax rate 0.58% 0.67% 0.7% 0.94%
Renters with high rent for their income 37% 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 Santa Clara

For a typical $1,582,600 home in Santa Clara, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Santa Clara's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $12,906a month

    Above the FHA limit for Santa Clara County ($1,249,125)
    Down payment
    $55,391
    Cash to close
    $102,869
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $955

  • Conventional, 5% down $12,361a month

    Above the conventional limit for Santa Clara County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $79,130
    Cash to close
    $126,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $752

  • Conventional, 20% down, no PMI $10,001a month

    Above the conventional limit for Santa Clara County ($1,249,125): it would be a "jumbo" loan
    Down payment
    $316,520
    Cash to close
    $363,998
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $11,464a month

    Down payment
    $237,390
    Cash to close
    $284,868
    Rate
    8.18%
    Mortgage insurance
    None
  • 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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Santa Clara and for Santa Clara County.

Property tax

Effective rate in Santa Clara

0.58%of the home’s value each year

$9,234 a year for the typical owner in Santa Clara.

  • Santa Clara 0.58%
  • County 0.67%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Santa Clara County

FEMA does not publish these numbers by city: they are for all of Santa Clara County.

Homes in the high-risk zone
6.7%
32,371
Of those, with NFIP insurance
22%
County California U.S.
Homes in the high-risk zone 6.7% 2.8% 3.5%
Of those, with NFIP insurance 22% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Santa Clara

Typical rent in Santa Clara is $3,016 a month: 6% above the county. In Santa Clara, 37% 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.

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 Santa Clara

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Santa Clara has 4 ZIP codes with their own.

For 2 bedrooms it runs from $3,190 in 95050 to $4,230 in 95054.

2 of the 4 are above the fair market rent for Santa Clara County ($3,272).

  • 95050 $3,190$4,290
  • 95051 $3,690$4,960
  • 95053 $3,190$4,290
  • 95054 $4,230$5,680

A ZIP code counts for Santa Clara 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Santa Clara

HUD lists 15 buildings with rents for lower incomes in Santa Clara. These are the largest.

  • Riverwood Place 5090 Lick Mill Blvd, Santa Clara 95054 148 homes, 146 low-income · Studio: 146 · 1 bd: 2 · In service since 2003
  • Liberty Tower 890 Main St, Santa Clara 95050 101 homes, 100 low-income · For older adults (408) 243-6226
  • John Burns Gardens 820 Agnew Rd, Santa Clara 95054 100 homes, 99 low-income · 1 bd: 95 · 2 bd: 5 · In service since 2003 · For older adults
  • Rivertown Apts 1340 Hope Dr, Santa Clara 95054 100 homes, 99 low-income · 2 bd: 70 · 3 bd: 30 · In service since 2003 · For families
  • Bracher Senior 2665 South Dr, Santa Clara 95051 72 homes, 71 low-income · 1 bd: 72 · In service since 1995 · For older adults

See all 314 buildings in Santa Clara County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Santa Clara

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Santa Clara

No down payment, repair or rent-help program on our list is for Santa Clara or Santa Clara County. The ones below are statewide in California: they work in Santa Clara the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near Santa Clara

The HUD-approved agencies closest to the center of Santa Clara, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Project Sentinel

    1490 El Camino Real, Santa Clara · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (408) 470-3730

  • Santa Clara County Asian Law Alliance

    991 W Hedding St, San Jose · 3 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, Korean, and Vietnamese.

    • Fair housing pre-purchase workshops
    • Homelessness services
    • and 2 more
    (408) 287-9710

  • Habitat for Humanity East Bay/Silicon Valley - Milpitas

    1608 Las Plumas Ave, San Jose · 5 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (510) 803-3362

Every agency in Santa Clara County All counseling agencies in California

Help in Spanish near Santa Clara

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Santa Clara

HUD’s record names them for Santa Clara or Santa Clara County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Santa Clara County Housing Authority Public housing and Section 8 vouchers (408) 275-8770

One other authority has an office in Santa Clara County: see the list Source: HUD

Cities

Other cities in Santa Clara County

These cities are also in Santa Clara County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Santa Clara County Housing in California
See 6 more cities in Santa Clara County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Santa Clara, with the typical home value.

Neighboring counties

If Santa Clara County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Santa Clara.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Santa Clara

Short answers with the numbers for Santa Clara 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 Santa Clara?

The typical home value in Santa Clara is $1,582,600, 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 Santa Clara?

Typical rent in Santa Clara is $3,016 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 Santa Clara?

Santa Clara 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 Santa Clara?

The typical homeowner in Santa Clara pays $9,234 a year, according to the U.S. Census Bureau. That is 0.58% 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 Santa Clara?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).