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San Jose city, CA

ZIP 95122 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95122

Median Home Value
$838,900
Median Rent
$2,280
Affordability Snapshot
$231,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,389/mo PITI).

26%
Rent-to-Income Ratio

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

8.1x
Home Price-to-Income Ratio

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

30.7 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 95122 in San Jose city, CA, a household would need roughly $231,000 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 $5,389. That is about 123% above the local median household income ($103,406), 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
52.8%-19% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
29.1%-41% vs US avg
x
Mortgage-Free
35.5%-7% vs US avg
x
$838,900
Home Value
$2,280
Rent
1971
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 detached58.9%
  • 1-unit attached10.5%
  • 2-9 units11.7%
  • 10+ units16.1%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$838,900
Median rent$2,280
Owner-occupied52.8%
Vacant4.3%
Price-to-income8.1x
Est. income to buy$231,000