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San Jose city, CA

ZIP 95002 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95002

Median Home Value
$1,023,400
Median Rent
$2,122
Affordability Snapshot
$282,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,574/mo PITI).

28%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

11.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

40.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95002 in San Jose city, CA, a household would need roughly $282,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,574. That is about 214% above the local median household income ($89,861), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.5%+6% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
34.9%-30% vs US avg
x
Mortgage-Free
35.9%-6% vs US avg
x
$1,023,400
Home Value
$2,122
Rent
1995
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.8%
  • 1-unit attached5.3%
  • 2-9 units9.5%
  • 10+ units1.6%
  • Mobile home & other20.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,023,400
Median rent$2,122
Owner-occupied69.5%
Vacant4.4%
Price-to-income11.4x
Est. income to buy$282,000