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San Jose city, CA

ZIP 95110 — 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 95110

Median Home Value
$947,900
Median Rent
$2,439
Affordability Snapshot
$261,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,089/mo PITI).

22%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

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

32.4 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 95110 in San Jose city, CA, a household would need roughly $261,000 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 $6,089. That is about 97% above the local median household income ($132,800), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
40.2%-39% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
26.4%-47% vs US avg
x
Mortgage-Free
15.2%-60% vs US avg
x
$947,900
Home Value
$2,439
Rent
1983
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached29.9%
  • 1-unit attached12.4%
  • 2-9 units14.6%
  • 10+ units42.0%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$947,900
Median rent$2,439
Owner-occupied40.2%
Vacant10.9%
Price-to-income7.1x
Est. income to buy$261,000