ZIP Code 95032 — Los Gatos town, CA Demographics & Data

ZIP code 95032 covers Los Gatos, CA in Santa Clara County with a population of about 27,682.

At a glance, the area shows median age of 44.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 408, 669; U.S. House district CA-16; the SAN FRANCISCO - OAK - SAN JOSE media market.

Los Gatos, CA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 95032 is about $195,188 — about 160% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 4.4%; 75.9% of adults with a bachelor’s degree or higher (about 42.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Manufacturing, and Healthcare; about 29.6% of workers reporting work-from-home (about 14.4 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $2,000,001 — about 475% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,941 (about 153% above the U.S. median rent ($1,163)), and owner-occupancy near 62.8% (about 2.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95032 in Los Gatos, CA, a household would need roughly $551,000 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 $12,847. That is about 182% above the local median household income ($195,188), 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.

FEMA’s National Risk Index rates natural-hazard risk for Los Gatos town, CA as Very High (composite score 99.7), which is among the highest nationally. The strongest component scores on US5 are flood (99.8) and wildfire (97.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Los Gatos town, CA show little to no average snow and around 22.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,362 for ZIP 95032 (Los Gatos town, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.