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Santa Clara city, CA

ZIP 95050 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95050

Median Home Value
$1,420,500
Median Rent
$2,378
Affordability Snapshot
$391,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,125/mo PITI).

22%
Rent-to-Income Ratio

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

10.9x
Home Price-to-Income Ratio

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

49.8 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 95050 in Santa Clara city, CA, a household would need roughly $391,000 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 $9,125. That is about 201% above the local median household income ($130,051), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
41.3%-37% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
27.3%-45% vs US avg
x
Mortgage-Free
25.6%-33% vs US avg
x
$1,420,500
Home Value
$2,378
Rent
1965
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached36.9%
  • 1-unit attached10.0%
  • 2-9 units20.8%
  • 10+ units32.3%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,420,500
Median rent$2,378
Owner-occupied41.3%
Vacant6.7%
Price-to-income10.9x
Est. income to buy$391,000