Blog > The Most Affordable ZIP Codes in Silicon Valley (2026)
Where are Silicon Valley’s most affordable ZIP codes? We ranked the 69 ZIP codes in Santa Clara and San Mateo counties with at least 20 house sales in the year to October 27, 2026 from the lowest median sale price up. The most affordable, 95116 in East San Jose (Mayfair), had a median of $965K; the median for all 10,794 house sales was $2.02M.
The short answer
- The five most affordable for a house: 95116 East San Jose (Mayfair) ($965K), 95122 East San Jose (Tully Road) ($972K), 95110 San Jose (central, toward the airport) ($1.01M), 95111 South San Jose (Monterey Road) ($1.1M) and 94014 Daly City and Colma ($1.1M).
- 34 ZIP codes had a median house price under $2 million, and 16 under $1.5 million.
- Condos and townhomes are the lower-cost way in: the most affordable ZIP for them, 94066 San Bruno, had a median of $449K.
Next steps
- Budget Lab: where your budget has bought, live.
- The $1M Line: where homes still sell under $1 million.
- Talk to a Property Nerd about where your budget goes furthest.
The 25 most affordable ZIP codes for a house
Houses (MLS property type “single family home”) sold in the year to October 27, 2026, lowest median first; “change” is against the 12 months before. Each ZIP links to its page with live listings.
| # | ZIP | Area | County | Median house price | Change | Per sq ft | Over asking | Sales |
|---|---|---|---|---|---|---|---|---|
| 1 | 95116 | East San Jose (Mayfair) | Santa Clara | $965K | −6% | $737 | 45% | 87 |
| 2 | 95122 | East San Jose (Tully Road) | Santa Clara | $972K | −7% | $802 | 60% | 90 |
| 3 | 95110 | San Jose (central, toward the airport) | Santa Clara | $1.01M | −8% | $923 | 56% | 54 |
| 4 | 95111 | South San Jose (Monterey Road) | Santa Clara | $1.1M | −3% | $758 | 61% | 141 |
| 5 | 94014 | Daly City and Colma | San Mateo | $1.1M | +1% | $747 | 74% | 129 |
| 6 | 95020 | Gilroy | Santa Clara | $1.15M | ±0% | $527 | 43% | 360 |
| 7 | 95112 | San Jose (Japantown and Naglee Park) | Santa Clara | $1.16M | −4% | $781 | 46% | 142 |
| 8 | 95127 | Alum Rock, San Jose | Santa Clara | $1.17M | ±0% | $823 | 56% | 236 |
| 9 | 94080 | South San Francisco | San Mateo | $1.3M | +4% | $899 | 82% | 226 |
| 10 | 94015 | Daly City, Westlake | San Mateo | $1.32M | +2% | $863 | 80% | 201 |
| 11 | 95121 | Evergreen, San Jose | Santa Clara | $1.39M | −1% | $895 | 69% | 88 |
| 12 | 95033 | Los Gatos mountains | Santa Clara | $1.39M | +5% | $643 | 16% | 106 |
| 13 | 95139 | South San Jose (southern tip) | Santa Clara | $1.4M | ±0% | $819 | 56% | 25 |
| 14 | 94063 | Redwood City east | San Mateo | $1.41M | −3% | $1,115 | 71% | 77 |
| 15 | 94066 | San Bruno | San Mateo | $1.46M | +1% | $998 | 77% | 175 |
| 16 | 95133 | San Jose (northeast) | Santa Clara | $1.46M | +5% | $856 | 65% | 75 |
| 17 | 95119 | Santa Teresa, San Jose | Santa Clara | $1.5M | +3% | $874 | 59% | 68 |
| 18 | 95123 | Blossom Valley, San Jose | Santa Clara | $1.51M | −1% | $906 | 59% | 324 |
| 19 | 94401 | San Mateo, north and downtown | San Mateo | $1.51M | +7% | $1,135 | 73% | 99 |
| 20 | 95136 | South San Jose (south, Blossom Valley) | Santa Clara | $1.52M | −2% | $820 | 64% | 160 |
| 21 | 95037 | Morgan Hill | Santa Clara | $1.53M | +4% | $665 | 46% | 327 |
| 22 | 94089 | Sunnyvale (north and bayfront) | Santa Clara | $1.57M | −7% | $1,273 | 67% | 48 |
| 23 | 95148 | Evergreen, San Jose | Santa Clara | $1.61M | +2% | $901 | 62% | 166 |
| 24 | 95128 | West San Jose (Winchester) | Santa Clara | $1.61M | −1% | $1,087 | 70% | 132 |
| 25 | 95035 | Milpitas | Santa Clara | $1.62M | −5% | $1,005 | 66% | 175 |
The most affordable ZIP codes for condos and townhomes
ZIP codes with at least 15 condo and townhouse sales in the year, lowest median first.
| # | ZIP | Area | Median condo or townhome | Change | Per sq ft | Sales |
|---|---|---|---|---|---|---|
| 1 | 94066 | San Bruno | $449K | +2% | $691 | 65 |
| 2 | 95127 | Alum Rock, San Jose | $500K | −5% | $521 | 25 |
| 3 | 94015 | Daly City, Westlake | $540K | +8% | $595 | 52 |
| 4 | 95122 | East San Jose (Tully Road) | $550K | −5% | $572 | 27 |
| 5 | 95116 | East San Jose (Mayfair) | $575K | −8% | $568 | 42 |
| 6 | 95123 | Blossom Valley, San Jose | $590K | −9% | $591 | 187 |
| 7 | 95118 | Cambrian and Branham, San Jose | $594K | −11% | $650 | 38 |
| 8 | 95020 | Gilroy | $599K | ±0% | $459 | 30 |
| 9 | 94401 | San Mateo, north and downtown | $600K | −18% | $749 | 125 |
| 10 | 95111 | South San Jose (Monterey Road) | $650K | ±0% | $579 | 59 |
| 11 | 95110 | San Jose (central, toward the airport) | $665K | +2% | $679 | 83 |
| 12 | 95112 | San Jose (Japantown and Naglee Park) | $675K | −12% | $550 | 61 |
| 13 | 95128 | West San Jose (Winchester) | $711K | −13% | $713 | 52 |
| 14 | 95124 | Cambrian, San Jose | $714K | −4% | $704 | 48 |
| 15 | 94014 | Daly City and Colma | $724K | +1% | $594 | 31 |
Reading it right
- Lower prices usually mean smaller or older houses. Compare price per square foot, and look at size, condition and lot.
- A ZIP can be large. San Jose ZIPs like 95111 or 95127 run across many neighborhoods with different prices; our ZIP pages show the streets.
- Prices move. These are the last 12 months; ask us what the same streets are selling for this month.
How we counted
Closed sales of houses, condos and townhouses between October 28, 2024 and October 27, 2026 in 31 cities of Santa Clara and San Mateo counties, reported to the MLS and read through the IDX feeds that power our home search, with repeat records from different feeds removed (normalized address and unit number plus sale date). “Change” compares the median of the last 12 months (to October 27, 2026) with the 12 months before. ZIP codes are the ones on the listings; a ZIP that crosses a city line is listed under the city with most of its sales. Price per square foot uses sales with 400 (300 for condos) sq ft or more. Past sales aren’t a forecast or the value of any one home.
Go deeper
The most affordable cities, the most expensive ZIP codes, where houses still sell under $2 million, single-story homes under $2 million, and the Santa Clara County and San Mateo County housing markets by city.
Condos and townhomes under a budget, city by city
San Jose under $500K, San Jose under $800K, Sunnyvale under $1 million, San Mateo under $700K, Mountain View under $1 million, Santa Clara under $800K, Milpitas under $1 million, Palo Alto under $1.2 million, Foster City under $1 million, Los Gatos under $1 million, Campbell under $800K, Redwood City under $1 million, Cupertino under $1.2 million, Daly City under $600K, Morgan Hill under $800K, Menlo Park under $1.2 million, San Carlos under $1 million, South San Francisco under $800K, San Bruno under $500K, Los Altos under $1.5 million, Saratoga under $1.5 million, Burlingame under $1 million, Millbrae under $800K, Belmont under $1 million, Gilroy under $600K.
Looking for the most home for your budget?
A Property Nerd will pull the recent sales closest to the home you’re weighing, on the same streets, and show you what buyers paid. Call (408) 373-1660 or (650) 383-8606, or book a strategy call. Commissions are negotiable, and we offer bundled services, so ask us what’s included.