ZIP Code 95038 — undefined, undefined Demographics & Data

ZIP code 95038 covers ZIP 95038 with a population of about 3,868.

At a glance, the area shows median age of 35.0 versus a U.S. median of about 38.9.

It sits in the SAN FRANCISCO - OAK - SAN JOSE media market.

Median household income in ZIP 95038 is about $108,542 — about 44% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 2.1%; 38.3% of adults with a bachelor’s degree or higher (about 4.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Manufacturing, and Healthcare; about 8.6% of workers reporting work-from-home (about 6.6 points below 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 $987,200 — about 184% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,385 (about 105% above the U.S. median rent ($1,163)), and owner-occupancy near 44.2% (about 21.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95038, a household would need roughly $272,000 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 $6,342. That is about 151% above the local median household income ($108,542), 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.