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San Jose city, CA

ZIP 95130 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95130

Median Home Value
$1,774,900
Median Rent
$2,199
Affordability Snapshot
$489,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$11,401/mo PITI).

17%
Rent-to-Income Ratio

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

11.4x
Home Price-to-Income Ratio

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

67.3 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 95130 in San Jose city, CA, a household would need roughly $489,000 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 $11,401. That is about 214% above the local median household income ($155,787), 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
63.8%-3% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
36.5%-5% vs US avg
x
$1,774,900
Home Value
$2,199
Rent
1964
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached66.9%
  • 1-unit attached2.9%
  • 2-9 units13.6%
  • 10+ units16.0%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,774,900
Median rent$2,199
Owner-occupied63.8%
Vacant5.5%
Price-to-income11.4x
Est. income to buy$489,000