ZIP Code 95046 — San Martin CDP, CA Demographics & Data

ZIP code 95046 covers San Martin, CA in Santa Clara County with a population of about 6,766.

At a glance, the area shows median age of 48.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 408, 669; U.S. House district CA-18; the SAN FRANCISCO - OAK - SAN JOSE media market.

San Martin, CA ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$157,458)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 95046 is about $157,458 — about 110% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 4.6%; 36.0% of adults with a bachelor’s degree or higher (about 2.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Administrative support; about 23.9% of workers reporting work-from-home (about 8.7 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 $1,396,600 — about 301% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,281 (about 96% above the U.S. median rent ($1,163)), and owner-occupancy near 72.9% (about 7.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95046 in San Martin, CA, a household would need roughly $384,000 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 $8,971. That is about 144% above the local median household income ($157,458), 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 San Martin CDP, 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 San Martin CDP, CA show little to no average snow and around 19.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 333 for ZIP 95046 (San Martin CDP, 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.