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San Jose city, CA

ZIP 95134 — 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 95134

Median Home Value
$371,200
Median Rent
$3,086
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,384/mo PITI).

19%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.0 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 95134 in San Jose city, CA, a household would need roughly $102,000 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 $2,384. That sits below the local median household income ($196,847), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
13.4%-79% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
45.6%+19% vs US avg
x
$371,200
Home Value
$3,086
Rent
2008
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached1.0%
  • 1-unit attached5.6%
  • 2-9 units3.8%
  • 10+ units82.3%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$371,200
Median rent$3,086
Owner-occupied13.4%
Vacant6.3%
Price-to-income1.9x
Est. income to buy$102,000