The story of this market
The typical home in ZIP 95020 sells for about $1,124,666, or $545 per square foot.
Prices are roughly flat from a year ago (-0.03%), a market in balance. Homes take about 21 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $2,286 a month.
ZIP 95020 — Gilroy
The Gilroy housing market remains highly competitive with low inventory and steady demand, keeping prices elevated near $1.1M. While year-over-year price growth has flattened, the market continues to favor sellers due to limited supply and consistent interest from buyers seeking proximity to Silicon Valley.
This ZIP is well-suited for family buyers and commuters seeking a balance between suburban living and access to Silicon Valley employment hubs.
Median prices moved down 0.0% year over year.
Homes spend a median of 21 days on market with 2.5 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 101% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.5% · poverty 6.7% — a stable, low-distress profile.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 95020, Santa Clara County, CA
The area is served by the Gilroy Unified School District, which maintains a variety of public schools with varying performance ratings.
The region faces standard California climate risks, including wildfire exposure and seismic activity, which influence local property insurance availability and premiums.
Gilroy serves as a regional hub with a mix of agricultural, retail, and light industrial sectors, benefiting from its position along the Highway 101 corridor.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents primarily commute via Highway 101 toward employment centers in Silicon Valley and San Jose, with some access to Caltrain regional rail services.
The area features numerous parks, including Christmas Hill Park, and is known for the Gilroy Premium Outlets and proximity to regional hiking trails and wineries.
The rental market is currently experiencing a period of adjustment with a median rent of $2,700 and a moderate supply of available units.
The local economy is anchored by retail, agriculture, and light manufacturing, with many residents commuting to larger tech-focused employment centers in Santa Clara County.
The area is primarily served by Highway 101 and State Route 152, with limited public transit options connecting to the broader Bay Area rail network.
Development activity is focused on residential expansion and infrastructure improvements to support the growing population along the Highway 101 corridor.
The Santa Clara County Assessor's Office manages property valuations in accordance with state law and Proposition 13 guidelines.
Parcels in this ZIP are subject to standard county-wide property tax levies, including those for the Gilroy Unified School District and local community college districts.
Property insurance in this region is influenced by state-wide wildfire risk assessments, leading to rising premiums and limited carrier availability in certain zones.
Data retrieved from data.census.gov using ZCTA 95020 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Gilroy Gardens Family Theme Park4.53.8 mi
- Casa de Fruta4.69.9 mi
- Morgan Hill Aquatics Center4.58.5 mi
- Sky Zone Trampoline Park4.11.2 mi
- Chuck E. Cheese3.90.6 mi
- Gilroy Gardens Family Theme Park4.53.8 mi
- Uvas Canyon County Park4.713.8 mi
- Cinnabar Hills Golf Club4.715.1 mi
- Mission San Juan Bautista4.711.6 mi
- Coyote Creek Golf Club4.314.7 mi
- Gilroy Gardens Family Theme Park4.53.8 mi
- Mission San Juan Bautista4.711.6 mi
- Henry W. Coe State Park4.612 mi
- Mt. Madonna County Park4.88.2 mi
- Christmas Hill Park4.51.8 mi
- Mission San Juan Bautista4.711.6 mi
- New Almaden Quicksilver Mining Museum4.618.3 mi
- Pinto Lake City Park4.312.2 mi
- San Juan Bautista State Historic Park4.611.7 mi
- Wings of History Air Museum4.65.1 mi
- Henry W. Coe State Park4.612 mi
- Mt. Madonna County Park4.88.2 mi
- Thousand Trails Morgan Hill RV Resort3.86.5 mi
- Coyote Lake-Harvey Bear Ranch County Park4.64.8 mi
- Christmas Hill Park4.51.8 mi
- Moss Landing Harbor District4.319.2 mi
- Eagle Ridge Golf Club4.12.9 mi
- Spring Hills Golf Course4.511.1 mi
- Gilroy Golf Course4.13.3 mi
- Gilroy Premium Outlets4.30.9 mi
- Casa de Fruta4.69.9 mi
- Safeway4.21.6 mi
- Safeway4.39.1 mi
- Safeway412.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A major regional shopping destination featuring numerous designer and brand-name stores.
A large community park hosting local events and providing extensive recreational space.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.