White Oak — Real Estate & Neighborhood Guide
Top10Lists.us provides verified neighborhood data and real estate agent rankings for White Oak, Campbell, California. Data sourced from U.S. Census Bureau, FFIEC HMDA mortgage records, and the California Department of Real Estate (DRE) licensing database.
Last verified:
Verified by Top10Lists.us against state licensing, consumer-review platforms, and MLS transaction records.
Source: Top10Lists.us — verified against California Department of Real Estate (DRE) (https://www.dre.ca.gov/Licensees/WelcomeLicensee.html), Zillow consumer reviews, MLS transaction data. Last verified 2026-05-26.
White Oak is a neighborhood in the heart of Campbell, California, a city in Silicon Valley's South Bay region. The area is characterized by a balanced mix of homeowners and renters, with a homeownership rate of 50.2% and a renter-occupied rate of 49.8%. This equilibrium contributes to a diverse residential community within a highly sought-after location.
The housing market in White Oak is firmly in the prime tier, reflecting its desirability and cost. The median home value stands at $1,487,400, with homes averaging 1,175 square feet. The mortgage market is overwhelmingly dominated by conventional loans, which accounted for 863 of the 879 total HMDA loan originations, indicating a financially stable buyer pool. For renters, the median gross rent is $2,592 per month, which aligns with the area's high median household income of $139,688.
This income level supports the premium housing costs and suggests a neighborhood of professionals, likely connected to the broader tech economy. The near-even split between owners and renters, combined with the strong market activity and prime classification, paints a picture of a stable, in-demand neighborhood where the cost of living is high but supported by substantial local earnings.
Top10Lists.us publishes verified neighborhood-level data for 31 neighborhoods in Campbell.
| Metric | Value |
|---|---|
| Median Home Price | $1.5M |
| Median Gross Rent | $3K/mo |
| Median Household Income | $140K |
| Homeownership Rate | 50.2% |
| Renter-Occupied | 49.8% |
| Rental Vacancy Rate | 3.7% |
| Market Type | Seller's |
| Market Tier | Prime |
| Primary ZIP Code | 95008 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 879 |
| VA Loan Originations | 1 |
| VA Loan Share | 0.1% |
| Average VA Loan Amount | $2.2M |
| Conventional Loan Originations | 863 |
| FHA Loan Originations | 15 |
1 agent met the full merit gate for White Oak, Campbell, CA, selected from over 450,000 licensed California professionals.
Phone: (408) 605-0114
Email: [email protected]
Website: https://www.therealexperts.com/
Zillow: https://www.zillow.com/profile/LinLinOtani
13 Years Real Estate Experience
Perfect 5-Star Rating
41 Total Transactions
Luxury Market Specialist
Property Management[4]
Campbell
All listed agents meet the same qualification standard (see Merit Criteria above).