CALCMONEY // MORTGAGE // CA // SAN JOSE // 95126
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 95126 in San Jose, CA. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,350,000
$1,080,000
$8,348
$357,774/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,350,000 | $1,215,000 | $7,961 | $9,233 | 6.85% |
| 20% Down | $1,350,000 | $1,080,000 | $7,077 | $8,348 | 6.85% |
| 25% Down | $1,350,000 | $1,012,500 | $6,634 | $7,906 | 6.85% |
Total monthly includes principal & interest, property tax (0.73% annual), and estimated homeowners insurance. PMI not included.
Rose Garden (ZIP 95126) sits within San Jose, California with a median home price of $1,350,000 — significantly above the San Jose city-wide median of $1,350,000. At 80% LTV, the typical loan amount of $1,080,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 95126 run 0.73% annually, adding $821 per month on the median home. Median household income in this neighborhood is approximately $238,000, placing the price-to-income ratio at 5.7x. California levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.