Santa Clara County
Buying a first home in Gilroy
The South County affordability edge
All prices, payments and income figures on this page are placeholders while we finalize our data sources.
Overview
What it's like to buy in Gilroy
Gilroy is usually the lowest-priced entry point in Santa Clara County, with a meaningful supply of newer subdivisions aimed at first-time and move-up buyers.
The numbers
Typical costs for first-time buyers
Typical home price
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Condo / townhome price
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Est. monthly payment
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Principal, interest, taxes, insurance
Income needed
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To qualify at typical price
Typical HOA
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Estimate only. Demo values are placeholders and not a loan pre-approval or financial advice.
Commute
Getting to work from here
| Destination | Drive | Transit |
|---|---|---|
| Morgan Hill | 15 min | Caltrain ~12 min |
| San Jose | 45–70 min | Caltrain ~55 min |
| Santa Cruz | 45–60 min | Limited |
New construction
What's being built in Gilroy
- Active builder subdivisions in west and south Gilroy
- Townhome phases near downtown
Weigh it
Pros and cons
Pros
- Lowest county prices
- Newer homes at entry prices
- Room to grow
Cons
- Long commutes north
- Fewer amenities
- Resale depends on commute demand
Alternatives
Nearby cities to compare
Get the Bay Area first-home numbers each month
City price updates, assistance program changes, new construction openings, and honest notes from our own buying journey. No listings spam.