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San Jose city, CA

ZIP 95125 — 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 AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95125

Median Home Value
$1,646,000
Median Rent
$2,293
Affordability Snapshot
$453,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$10,573/mo PITI).

19%
Rent-to-Income Ratio

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

11.1x
Home Price-to-Income Ratio

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

59.8 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 95125 in San Jose city, CA, a household would need roughly $453,000 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 $10,573. That is about 205% above the local median household income ($148,422), 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
60.1%-8% vs US avg
x
Vacancy Rate
5.5%-46% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
27.1%-29% vs US avg
x
$1,646,000
Home Value
$2,293
Rent
1965
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.8%
  • 1-unit attached9.3%
  • 2-9 units6.7%
  • 10+ units20.9%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,646,000
Median rent$2,293
Owner-occupied60.1%
Vacant5.5%
Price-to-income11.1x
Est. income to buy$453,000