US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95111
  5. Housing & Real Estate
San Jose city, CA

ZIP 95111 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95111

Median Home Value
$826,200
Median Rent
$1,808
Affordability Snapshot
$227,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,307/mo PITI).

22%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

38.1 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 95111 in San Jose city, CA, a household would need roughly $227,000 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 $5,307. That is about 134% above the local median household income ($97,162), 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
60.3%-8% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
26.7%-46% vs US avg
x
Mortgage-Free
37.4%-2% vs US avg
x
$826,200
Home Value
$1,808
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached47.2%
  • 1-unit attached15.3%
  • 2-9 units9.4%
  • 10+ units13.5%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$826,200
Median rent$1,808
Owner-occupied60.3%
Vacant2.9%
Price-to-income8.5x
Est. income to buy$227,000