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San Jose city, CA

ZIP 95117 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95117

Median Home Value
$1,425,200
Median Rent
$2,270
Affordability Snapshot
$392,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,155/mo PITI).

24%
Rent-to-Income Ratio

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

12.3x
Home Price-to-Income Ratio

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

52.3 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 95117 in San Jose city, CA, a household would need roughly $392,000 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 $9,155. That is about 239% above the local median household income ($115,778), 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
35.6%-46% vs US avg
x
Vacancy Rate
9.6%-6% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
4.4%-65% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
32.8%-14% vs US avg
x
$1,425,200
Home Value
$2,270
Rent
1967
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached28.4%
  • 1-unit attached14.3%
  • 2-9 units25.7%
  • 10+ units30.6%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,425,200
Median rent$2,270
Owner-occupied35.6%
Vacant9.6%
Price-to-income12.3x
Est. income to buy$392,000