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San Jose city, CA

ZIP 95126 — 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 95126

Median Home Value
$1,195,700
Median Rent
$2,412
Affordability Snapshot
$329,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,681/mo PITI).

23%
Rent-to-Income Ratio

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

9.4x
Home Price-to-Income Ratio

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

41.3 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 95126 in San Jose city, CA, a household would need roughly $329,000 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 $7,681. That is about 158% above the local median household income ($127,297), 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
34.2%-48% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
28.0%-27% vs US avg
x
$1,195,700
Home Value
$2,412
Rent
1981
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 detached26.8%
  • 1-unit attached11.5%
  • 2-9 units13.7%
  • 10+ units47.8%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,195,700
Median rent$2,412
Owner-occupied34.2%
Vacant6.0%
Price-to-income9.4x
Est. income to buy$329,000