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San Jose city, CA

ZIP 95112 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95112

Median Home Value
$956,300
Median Rent
$1,983
Affordability Snapshot
$263,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,143/mo PITI).

27%
Rent-to-Income Ratio

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

10.7x
Home Price-to-Income Ratio

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

40.2 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 95112 in San Jose city, CA, a household would need roughly $263,000 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 $6,143. That is about 193% above the local median household income ($89,649), 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
27.9%-57% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
34.7%-9% vs US avg
x
$956,300
Home Value
$1,983
Rent
1969
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached27.0%
  • 1-unit attached6.1%
  • 2-9 units19.9%
  • 10+ units41.6%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$956,300
Median rent$1,983
Owner-occupied27.9%
Vacant7.4%
Price-to-income10.7x
Est. income to buy$263,000