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San Jose city, CA

ZIP 95135 — 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 95135

Median Home Value
$1,458,800
Median Rent
$3,501
Affordability Snapshot
$402,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,371/mo PITI).

21%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

34.7 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 95135 in San Jose city, CA, a household would need roughly $402,000 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 $9,371. That is about 105% above the local median household income ($196,179), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.5%+32% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
13.9%-6% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
35.4%-29% vs US avg
x
Mortgage-Free
34.5%-10% vs US avg
x
$1,458,800
Home Value
$3,501
Rent
1990
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 detached60.7%
  • 1-unit attached27.9%
  • 2-9 units5.6%
  • 10+ units5.6%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,458,800
Median rent$3,501
Owner-occupied86.5%
Vacant3.2%
Price-to-income7.4x
Est. income to buy$402,000