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San Jose city, CA

ZIP 95113 — 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 95113

Median Home Value
$953,100
Median Rent
$2,651
Affordability Snapshot
$262,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,122/mo PITI).

23%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

30.0 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 95113 in San Jose city, CA, a household would need roughly $262,000 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 $6,122. That is about 86% above the local median household income ($140,938), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
14.9%-77% vs US avg
x
Vacancy Rate
18.9%+83% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.5%-67% vs US avg
x
Mortgage-Free
18.3%-52% vs US avg
x
$953,100
Home Value
$2,651
Rent
2006
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached0.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units100.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$953,100
Median rent$2,651
Owner-occupied14.9%
Vacant18.9%
Price-to-income6.8x
Est. income to buy$262,000