US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95054
  5. Housing & Real Estate
Santa Clara city, CA

ZIP 95054 — 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 95054

Median Home Value
$1,475,400
Median Rent
$3,259
Affordability Snapshot
$406,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,478/mo PITI).

19%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

37.7 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 95054 in Santa Clara city, CA, a household would need roughly $406,000 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 $9,478. That is about 99% above the local median household income ($204,052), 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
35.4%-46% vs US avg
x
Vacancy Rate
5.8%-43% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
9.5%-81% vs US avg
x
Mortgage-Free
29.5%-23% vs US avg
x
$1,475,400
Home Value
$3,259
Rent
2001
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached27.6%
  • 1-unit attached16.3%
  • 2-9 units7.5%
  • 10+ units48.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,475,400
Median rent$3,259
Owner-occupied35.4%
Vacant5.8%
Price-to-income7.2x
Est. income to buy$406,000