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Los Gatos town, CA

ZIP 95032 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95032

Median Home Value
$2,000,001
Median Rent
$2,941
Affordability Snapshot
$551,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,847/mo PITI).

18%
Rent-to-Income Ratio

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

10.2x
Home Price-to-Income Ratio

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

56.7 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 95032 in Los Gatos town, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.8%-4% vs US avg
x
Vacancy Rate
5.7%-44% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
7.8%-47% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
15.7%-68% vs US avg
x
Mortgage-Free
31.9%-16% vs US avg
x
$2,000,001
Home Value
$2,941
Rent
1971
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached53.1%
  • 1-unit attached14.8%
  • 2-9 units15.6%
  • 10+ units16.4%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$2,000,001
Median rent$2,941
Owner-occupied62.8%
Vacant5.7%
Price-to-income10.2x
Est. income to buy$551,000