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San Jose city, CA

ZIP 95131 — 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 95131

Median Home Value
$1,134,200
Median Rent
$2,955
Affordability Snapshot
$312,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,286/mo PITI).

21%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

32.0 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 95131 in San Jose city, CA, a household would need roughly $312,000 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 $7,286. That is about 83% above the local median household income ($170,128), 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
63.3%-3% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
97.5%+12% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
35.6%-7% vs US avg
x
$1,134,200
Home Value
$2,955
Rent
1986
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 detached46.8%
  • 1-unit attached21.2%
  • 2-9 units12.7%
  • 10+ units11.2%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,134,200
Median rent$2,955
Owner-occupied63.3%
Vacant3.1%
Price-to-income6.7x
Est. income to buy$312,000