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Morgan Hill Real Estate

Morgan Hill is a city in Santa Clara County, California, at the southern tip of Silicon Valley, in the San Francisco Bay Area.

Morgan Hill FAQ's

Who Pays For Closing Costs In Morgan Hill?

In Morgan Hill, California, closing costs are typically shared between the buyer and seller. Buyers usually cover loan origination fees, appraisal fees, home inspection costs, title insurance, escrow fees, and property taxes for the portion of the year after closing. Sellers are generally responsible for the real estate agent’s commission, title insurance (seller’s policy), escrow fees, transfer taxes, and any repairs or concessions. However, the division of costs can be negotiated, so both parties should review the closing statement to confirm responsibilities.

The property tax rate in Morgan Hill, California, is similar to the overall tax rate for Santa Clara County, which is approximately 1.16% of the property’s assessed value. This includes the base property tax rate and any additional levies for voter-approved bonds or special assessments.

However, the exact amount you will pay may vary depending on factors like:

  • Assessed Value: Property tax is based on the assessed value of the property, which is determined when the property is purchased or newly constructed.
  • Additional Levies: There may be additional taxes for things like school bonds or infrastructure improvement funds, which could increase the total property tax bill.


For a more precise estimate of property taxes in Morgan Hill, it’s recommended to check the Santa Clara County Assessor’s Office website or contact them directly to get the most up-to-date and detailed information.

Yes, there are Mello-Roos districts in Morgan Hill, California. Mello-Roos is a special tax assessment that is often used to fund public infrastructure and services, such as schools, parks, and public safety improvements, particularly in new developments or areas requiring additional funding for services.

In Morgan Hill, Mello-Roos taxes can vary depending on the location of the property, as some areas may be part of a Mello-Roos district while others are not. The tax amount typically appears on your property tax bill, and it’s in addition to the regular property tax rate.

If you’re considering buying property in Morgan Hill, it’s important to check whether the specific property is within a Mello-Roos district. You can verify this by contacting the Santa Clara County Assessor’s Office or reviewing the property tax information for the specific property you’re interested in.

To switch utilities in Morgan Hill, California, you can contact the following providers based on the utility service you need to set up or transfer:

1. Water and Sewer
2. Electricity and Gas
  • Pacific Gas and Electric (PG&E) provides electricity and natural gas services.
  • Phone: 1-800-743-5000 (for customer service)
  • Website: PG&E
3. Trash and Recycling
  • South Valley Disposal & Recycling handles waste collection and recycling services in Morgan Hill.
  • Phone: (408) 779-1362
  • Website: South Valley Disposal
4. Internet and Cable
  • Xfinity/Comcast and AT&T are the primary providers for internet and cable services in Morgan Hill.
  • Xfinity Phone: 1-800-XFINITY (1-800-934-6489)
  • AT&T Phone: 1-800-288-2020


For a smooth transition, ensure to call the utility providers well in advance of your move-in date to avoid service interruptions.

The school ratings in Morgan Hill, California, are generally favorable, with many schools in the area receiving solid reviews. The city’s public schools are part of the Morgan Hill Unified School District (MHUSD), which includes a mix of elementary, middle, and high schools. Additionally, there are several private and charter schools in the area.

Key Points About School Ratings in Morgan Hill:

  1. GreatSchools Ratings: GreatSchools is a widely recognized resource for school ratings and reviews. Most schools in Morgan Hill have ratings ranging from 6 to 9 out of 10, with some exceptional schools receiving a perfect 10.

    • El Toro Elementary School: 9/10
    • Britton Middle School: 7/10
    • Sobrato High School: 8/10
    • Live Oak High School: 6/10
    • Morgan Hill Charter School: 8/10

  2. Academic Performance: Many schools in the district have strong academic programs, including advanced placement (AP) courses, extracurricular activities, and college preparation programs. The district has made significant efforts to improve test scores and overall academic achievement in recent years.

  3. School Diversity and Community: The Morgan Hill area is known for its diverse population, and schools often reflect this with a variety of cultural programs and community outreach initiatives.

  4. Extracurriculars: Schools in Morgan Hill offer a range of extracurricular activities, including sports, music, drama, and academic clubs, allowing students to explore their interests outside of the classroom.

  5. Public School Choice: Morgan Hill is also home to some charter and alternative schools, which provide more flexibility in terms of curriculum and teaching styles.

For a more specific overview, you may want to visit websites like GreatSchools or Niche for updated ratings and reviews for each individual school. Additionally, local parent reviews can provide insight into the school experience.

The rental market in Morgan Hill, California, can be on the higher end compared to other areas in the region, as it is located in Santa Clara County, a part of the San Francisco Bay Area. Rent prices can vary based on factors like location, property type, and amenities.

Average Rent Prices in Morgan Hill (2024 Estimates):

  • 1-Bedroom Apartment:
    Rent for a one-bedroom apartment typically ranges from $2,200 to $2,800 per month.

  • 2-Bedroom Apartment:
    A two-bedroom apartment usually rents for $2,800 to $3,500 per month, depending on the building and its location.

  • 3-Bedroom Home or Apartment:
    Larger homes or apartments with three bedrooms generally rent for $3,500 to $4,500 per month.

  • Single-Family Homes:
    Renting a single-family home in Morgan Hill can range from $3,500 to $5,500 per month, with prices depending on the size and location of the property.

Factors Affecting Rent:
  • Proximity to Downtown: Properties closer to downtown Morgan Hill or with easy access to Highway 101 may command higher rent.
  • Amenities: Units with upgraded features like modern appliances, larger square footage, or additional amenities (e.g., a pool or gym) tend to have higher rent prices.
  • Market Demand: Morgan Hill’s rental market can be competitive due to its proximity to tech hubs like Silicon Valley.


For more specific listings and updates on current rent prices, it’s a good idea to check rental platforms like Zillow, Rent.com, or Apartments.com to see what is available in real-time.

Morgan Hill, California, offers several public transportation options that cater to commuters, residents, and visitors. Here are the key public transportation services available:

1. Caltrain
  • Description: Caltrain provides commuter rail service connecting Morgan Hill to major cities in the Bay Area, including San Jose, Palo Alto, and San Francisco.
  • Morgan Hill Station: Located at 17300 Depot St, Morgan Hill, CA.
  • Schedule: Operates daily with fewer trains on weekends. The schedule varies by time of day, with peak hours offering more frequent service.
  • Website: Caltrain
2. Valley Transportation Authority (VTA)
  • Buses:
    • VTA operates several bus routes serving Morgan Hill and connecting to nearby cities like San Jose and Gilroy.
    • Popular routes include Route 68, which provides service between Gilroy, Morgan Hill, and San Jose.
  • Light Rail: While the VTA light rail does not run directly through Morgan Hill, you can connect to it via bus routes heading into San Jose.
  • Website: VTA
3. Regional Shuttles
  • Gilroy Transit Center Shuttle: Some shuttle services connect Morgan Hill to nearby transit centers or Caltrain stations, facilitating regional travel.
  • Check local schedules for availability and stops.
4. Rideshare Services
  • Rideshare platforms like Uber and Lyft are widely used in Morgan Hill for flexible and on-demand transportation.
5. Bike and Pedestrian Paths
  • Morgan Hill has invested in bike-friendly infrastructure, including dedicated bike lanes and pedestrian-friendly paths, making it easy to combine biking with public transportation.
6. Long-Distance and Airport Shuttles
  • Private shuttle services are available to nearby airports such as San Jose Mineta International Airport (SJC) and San Francisco International Airport (SFO).


For the most accurate schedules and route information, you can use transit apps like Google Maps, Transit App, or check the official websites of the service providers.

Yes, there are several tutorial services available in Morgan Hill, California, catering to a variety of academic needs for students of all ages. These services range from private tutoring to established learning centers and online options.

1. Local Tutoring Centers

  • Sylvan Learning Center

    • Services: Offers personalized tutoring in math, reading, writing, study skills, test prep (SAT/ACT), and more.
    • Location: Nearby centers are typically in Gilroy or San Jose.
    • Website: Sylvan Learning

  • Kumon Math and Reading Center

    • Services: Focuses on foundational math and reading skills through a structured program.
    • Location: Closest center is in Gilroy.
    • Website: Kumon
2. Private Tutoring

  • Wyzant

    • Services: Connects students with local tutors for one-on-one sessions in subjects like math, science, English, and test prep.
    • Website: Wyzant

  • Care.com

    • Services: A platform to find private tutors for various subjects, including elementary and high school academics, as well as college-level tutoring.
    • Website: Care.com
3. School-Based Tutoring Programs
  • Morgan Hill Unified School District (MHUSD) may offer after-school tutoring or academic support programs for enrolled students. Contact your child’s school directly for details.
4. Online Tutoring Services

  • Varsity Tutors

    • Offers online tutoring in various subjects with flexible scheduling options.
    • Website: Varsity Tutors

  • TutorMe

    • On-demand online tutoring in over 300 subjects.
    • Website: TutorMe
5. Learning Pods or Study Groups
  • Some local families and community groups organize learning pods or small study groups, often facilitated by a hired tutor or educator. Check community boards or social media groups for opportunities.
6. Libraries and Community Centers
  • Morgan Hill Library: Occasionally hosts educational workshops, homework help sessions, and other academic resources.


By exploring these options, families in Morgan Hill can find the right tutoring solution tailored to their academic goals and learning preferences.

Morgan Hill, California, is home to a variety of religious facilities and places of worship that serve diverse faith communities. Here’s an overview of the available options:

1. Christian Churches

  • Catholic Churches

    • St. Catherine of Alexandria Catholic Church
      • Services: Masses, sacraments, youth programs, and community events.
      • Location: 17400 Peak Ave, Morgan Hill, CA.
      • Website: St. Catherine of Alexandria

  • Protestant and Non-Denominational Churches

    • Morgan Hill Bible Church

      • Services: Sunday worship, Bible studies, and family ministries.
      • Location: 15055 Monterey Rd, Morgan Hill, CA.
      • Website: Morgan Hill Bible Church

    • Community Christian Church

      • Services: Contemporary worship, small groups, and children’s programs.
      • Location: 305 W Main Ave, Morgan Hill, CA.
      • Website: Community Christian

    • Lakeside Church

      • Services: Worship services, youth activities, and outreach programs.
      • Location: 16945 Monterey Rd, Morgan Hill, CA.
2. Temples and Synagogues

  • Hindu Temples

    • Closest facilities are in neighboring cities like Sunnyvale and Milpitas, such as the Shirdi Sai Parivaar and the Sunnyvale Hindu Temple.

  • Jewish Synagogues

    • The nearest synagogues are in nearby cities like San Jose, offering services, community events, and educational programs.
3. Islamic Centers
  • Muslim Community Association (MCA)
    • While not in Morgan Hill, the MCA in Santa Clara serves the broader community with prayer services, Islamic education, and social activities.
    • Location: 3003 Scott Blvd, Santa Clara, CA.
    • Website: MCA
4. Buddhist Temples
  • Wat Buddhanusorn (Fremont)
    • Provides meditation, Buddhist teachings, and cultural events.
5. Other Religious Facilities

  • Jehovah’s Witnesses Kingdom Hall

    • Location: 16675 Llagas Ave, Morgan Hill, CA.

  • The Church of Jesus Christ of Latter-day Saints (LDS)

    • Services: Worship services, family history library, and youth programs.
    • Location: 1790 E Dunne Ave, Morgan Hill, CA.
    • Website: LDS Church
6. Multi-Faith Centers and Community Services
  • Morgan Hill Interfaith Group:
    • Promotes interfaith dialogue and community support activities. Check local events for meetings and programs.


These facilities reflect the spiritual diversity in Morgan Hill, offering various services, events, and programs to meet the needs of the community.

Morgan Hill, California, offers several programs and resources for first-time homebuyers to help them navigate the process of purchasing their first home. These programs are often designed to make homeownership more affordable through financial assistance, education, and incentives. Here are some of the options available:

1. Statewide Programs
California Housing Finance Agency (CalHFA)

  • CalHFA First Mortgage Programs

    • Low-interest fixed-rate loans for first-time homebuyers.
    • FHA, USDA, and VA loan options available.

  • Down Payment Assistance Programs

    • MyHome Assistance Program: Offers up to 3.5% of the purchase price or appraised value to help with down payment and closing costs.
    • Forgivable Equity Builder Loan: Provides up to 10% of the purchase price for first-time buyers, forgivable over five years.

  • CalHFA ZIP Extra Program

    • Provides zero-interest loans to cover closing costs.

  • Website: CalHFA

2. Santa Clara County Programs
Santa Clara County Housing Trust
  • Empower Homebuyers SCC
    • A loan program that provides down payment assistance of up to 17% of the home purchase price for moderate-income first-time buyers in Santa Clara County, including Morgan Hill.
    • Loans are deferred and repayable only when you sell or refinance the home.
    • Website: Housing Trust Silicon Valley
3. Local Programs
City of Morgan Hill Housing Programs
  • Below Market Rate (BMR) Housing
4. Federal Programs
Federal Housing Administration (FHA) Loans
  • Low down payment requirements (as low as 3.5%).
  • Flexible credit score requirements.
USDA Loans
  • Available for properties in rural areas, including parts of Morgan Hill.
  • Offers zero down payment options and low interest rates.
VA Loans
  • Designed for veterans and active-duty military members.
  • No down payment and competitive interest rates.
5. Nonprofit and Educational Resources
6. Tax Benefits and Credits
  • Mortgage Credit Certificate (MCC) Program
    • Allows eligible first-time buyers to claim a federal income tax credit for a portion of the mortgage interest paid annually.
    • Available through participating lenders.
How to Get Started
  • Contact local real estate agents or mortgage brokers in Morgan Hill to discuss these programs.
  • Attend first-time homebuyer workshops and counseling sessions offered by local nonprofits or the city.
  • Verify income and eligibility requirements for specific programs.


These programs and resources can significantly ease the financial burden of buying your first home in Morgan Hill.

Morgan Hill, nestled in the heart of Silicon Valley, offers a blend of suburban charm, scenic landscapes, and proximity to major tech hubs, making it an attractive location for homebuyers. Here’s a comprehensive guide to help you navigate the home-buying process in Morgan Hill:

1. Understand the Market
  • Median Home Prices: Morgan Hill’s real estate market is competitive, with home prices often reflecting Silicon Valley’s premium housing trends. Research recent sale prices to understand the market value.
  • Market Trends: Monitor whether it’s a buyer’s or seller’s market to strategize your purchase effectively.
2. Financial Preparation
Assess Your Budget
  • Calculate how much you can afford by considering your income, savings, and debt-to-income ratio.
  • Include additional costs like property taxes, homeowners insurance, and maintenance.
Get Pre-Approved for a Mortgage
  • Work with lenders to get pre-approved, which shows sellers you’re a serious buyer and helps define your budget.
  • Compare mortgage options, including fixed-rate, adjustable-rate, and government-backed loans.
3. Explore Neighborhoods in Morgan Hill
  • Downtown Morgan Hill: Vibrant with shops, restaurants, and community events.
  • Paradise Valley: Offers larger lots and scenic surroundings.
  • Holiday Lake Estates: Known for its luxury homes and stunning lake views.
  • Nordstrom Neighborhood: Family-friendly with proximity to schools and parks.
4. Work with a Local Realtor
  • A local real estate agent familiar with Morgan Hill can:
    • Guide you to suitable properties.
    • Help with negotiations.
    • Provide insights into specific neighborhoods and the local market.
5. Consider First-Time Homebuyer Programs
  • Down Payment Assistance: Programs like CalHFA and Santa Clara County’s Empower Homebuyers SCC can help with affordability.
  • Below Market Rate (BMR) Housing: Morgan Hill offers affordable housing options for qualified buyers.
6. Conduct Due Diligence
  • Home Inspections: Always conduct thorough inspections to uncover potential issues.
  • Disclosures: Review all property disclosures, including any related to flood zones, earthquake zones, or Mello-Roos taxes.
7. Community and Lifestyle
  • Schools: Morgan Hill Unified School District offers high-rated schools, making the city ideal for families.
  • Recreation: Enjoy parks, hiking trails, and attractions like Anderson Lake and Coyote Valley Open Space Preserve.
  • Transportation: Access Caltrain and freeways for convenient commutes to Silicon Valley or San Jose.
8. Making an Offer
  • Competitive Offers: In a high-demand market, consider offering slightly above the asking price or including escalation clauses.
  • Contingencies: Include appropriate contingencies (financing, inspection, appraisal) to protect your interests.
9. Closing the Deal
  • Closing Costs: Typically 2–5% of the home price, covering fees like escrow, title, and lender charges.
  • Final Walkthrough: Inspect the home to ensure all agreed-upon conditions are met before closing.
10. Moving In
  • Switch utilities, update your address, and plan your move to settle into your new Morgan Hill home.


Morgan Hill offers a fantastic quality of life with its blend of nature, community, and accessibility. By following these steps, you’ll be well-prepared to find and secure your dream home in this charming city.

Selling a home in Morgan Hill requires careful planning, especially in a competitive real estate market like Silicon Valley. Here’s a step-by-step guide to help you sell your home efficiently and for the best possible price:

1. Understand the Market
  • Local Market Trends: Determine if it’s a seller’s or buyer’s market in Morgan Hill by analyzing recent sales, inventory levels, and buyer demand.
  • Comparable Sales (Comps): Research similar homes in your neighborhood to understand pricing trends and set a competitive listing price.
2. Prepare Your Home for Sale
Enhance Curb Appeal
  • Tidy up landscaping, repaint the exterior, and ensure the front entrance is inviting.
  • Consider simple upgrades like replacing outdated fixtures or adding potted plants.
Declutter and Depersonalize
  • Remove personal items and excess furniture to help buyers envision themselves in the space.
  • Organize closets and storage areas to showcase ample storage.
Make Necessary Repairs
  • Address minor repairs such as leaky faucets, cracked tiles, or chipped paint.
  • Consider pre-listing inspections to identify and fix potential issues that could deter buyers.
Stage Your Home
  • Professionally staged homes often sell faster and at higher prices.
  • Highlight key features, like spacious kitchens or scenic views, which are appealing in Morgan Hill.
3. Set the Right Price
  • Work with a real estate agent to set a competitive price based on market analysis.
  • Avoid overpricing, which can lead to extended market time, or underpricing, which may leave money on the table.
4. Market Your Property
  • Professional Photography: High-quality photos are essential for online listings.
  • Online Listings: Use platforms like Zillow, Redfin, and the MLS to reach a wide audience.
  • Virtual Tours: Offer 3D walkthroughs or video tours for tech-savvy buyers.
  • Open Houses and Showings: Schedule open houses and private showings to attract potential buyers.
5. Work with a Real Estate Agent
  • A local agent experienced in Morgan Hill can:
    • Help with pricing strategies and market trends.
    • Provide marketing expertise to showcase your home.
    • Negotiate offers to secure the best deal.
6. Handle Offers and Negotiations
  • Review Offers: Evaluate offers based on price, contingencies, and buyer qualifications.
  • Counteroffers: Negotiate terms, such as closing timelines or contingencies, to meet your needs.
  • Pre-Qualified Buyers: Prioritize offers from buyers who have mortgage pre-approvals to ensure a smooth transaction.
7. Navigate the Closing Process
  • Inspections and Appraisals: Be prepared for buyer inspections and appraisals, and address any findings promptly.
  • Disclosures: Provide all legally required disclosures about the property, including those related to Mello-Roos taxes, flood zones, or natural hazards.
  • Closing Costs: Expect to pay for items like agent commissions (usually 5–6% of the sale price), transfer taxes, and escrow fees.
8. Transition and Moving
  • Coordinate your move-out timeline with the closing date.
  • Redirect utilities, mail, and subscriptions to your new address.
  • Consider professional movers for a seamless transition.
9. Take Advantage of Morgan Hill’s Appeal

When marketing your home, emphasize features that attract buyers:

  • Proximity to Silicon Valley job hubs.
  • Access to top-rated schools and family-friendly amenities.
  • Scenic beauty, including nearby parks and open spaces.
10. Plan for Taxes and Gains
  • Consult a tax professional about potential capital gains taxes and tax deductions related to selling your home.


Selling your home in Morgan Hill can be a smooth and rewarding experience with the right strategy, preparation, and professional guidance.

Finding the right mortgage broker in Morgan Hill is crucial for a smooth and successful home-buying or refinancing process. A mortgage broker acts as a liaison between you and lenders, helping you secure the best loan terms that fit your financial situation. Here’s what you need to know:

Why Work with a Mortgage Broker in Morgan Hill?
  1. Access to Multiple Lenders: Brokers work with a network of lenders, giving you more options than going directly to a single bank.
  2. Tailored Solutions: They help find loan programs that fit your unique needs, such as first-time buyer programs or refinancing options.
  3. Local Market Expertise: Morgan Hill brokers understand the local housing market, property values, and lending trends.
  4. Time Savings: They handle much of the paperwork and negotiation, streamlining the loan process.
Services Provided by Mortgage Brokers
  • Home Purchase Loans: Assistance with financing for buying a home in Morgan Hill.
  • Refinancing Options: Lower your interest rate or adjust loan terms to save money.
  • First-Time Buyer Programs: Guidance on programs offering down payment assistance or favorable terms.
  • Specialized Loans: Help with FHA, VA, USDA, or jumbo loans, depending on your eligibility and needs.
How to Choose the Right Mortgage Broker
1. Research Local Brokers
  • Look for brokers with experience in the Morgan Hill area.
  • Check reviews and testimonials to gauge client satisfaction.
2. Compare Loan Options
  • Ensure the broker offers competitive rates and fees.
  • Ask about their network of lenders and the variety of loan products available.
3. Verify Licensing
  • Confirm the broker is licensed and registered with the Nationwide Multistate Licensing System (NMLS).
4. Ask Questions
  • Inquire about their experience, typical loan turnaround times, and communication style.
Benefits of Using a Morgan Hill Mortgage Broker
  • Competitive Rates: Brokers can negotiate better terms than what you might find on your own.
  • Local Connections: Familiarity with Morgan Hill appraisers, real estate agents, and lenders.
  • Simplified Process: Brokers coordinate the loan process, making it less overwhelming for buyers.
Local Insights About Morgan Hill

Morgan Hill’s real estate market offers a mix of suburban charm and proximity to Silicon Valley. Mortgage brokers with local expertise can provide insights into:

  • Property values and trends.
  • Mello-Roos taxes that may apply to specific neighborhoods.
  • Loan options suited for homes in high-demand areas.


Whether you’re buying a home, refinancing, or exploring mortgage options in Morgan Hill, a knowledgeable mortgage broker can make all the difference in achieving your homeownership goals.

Properties for Sale in Morgan Hill

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Contact Salimi Investments today (510-786-8739) for details on available properties and to stay ahead of the latest listings!

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