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Santa Clara city, CA

ZIP 95051 — Housing & Real Estate

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

Wealthy AreaLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95051

Median Home Value
$1,623,600
Median Rent
$2,913
Affordability Snapshot
$447,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$10,430/mo PITI).

19%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

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

46.4 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 95051 in Santa Clara city, CA, a household would need roughly $447,000 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 $10,430. That is about 141% above the local median household income ($185,632), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
43.5%-33% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
2.1%-69% vs US avg
x
Rent Burden >30%
15.2%-69% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$1,623,600
Home Value
$2,913
Rent
1971
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached41.2%
  • 1-unit attached9.0%
  • 2-9 units13.1%
  • 10+ units36.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,623,600
Median rent$2,913
Owner-occupied43.5%
Vacant6.3%
Price-to-income8.7x
Est. income to buy$447,000