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San Jose city, CA

ZIP 95127 — 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 95127

Median Home Value
$995,100
Median Rent
$2,322
Affordability Snapshot
$274,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,392/mo PITI).

23%
Rent-to-Income Ratio

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

8.3x
Home Price-to-Income Ratio

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

35.7 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 95127 in San Jose city, CA, a household would need roughly $274,000 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 $6,392. That is about 127% above the local median household income ($120,548), 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
65.7%+0% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
12.3%-4% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
26.7%-46% vs US avg
x
Mortgage-Free
25.6%-33% vs US avg
x
$995,100
Home Value
$2,322
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached7.4%
  • 2-9 units5.7%
  • 10+ units9.8%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$995,100
Median rent$2,322
Owner-occupied65.7%
Vacant6.1%
Price-to-income8.3x
Est. income to buy$274,000