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San Jose city, CA

ZIP 95119 — 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 95119

Median Home Value
$1,176,100
Median Rent
$2,877
Affordability Snapshot
$324,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,555/mo PITI).

21%
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.

34.1 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 95119 in San Jose city, CA, a household would need roughly $324,000 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 $7,555. That is about 97% above the local median household income ($164,129), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.6%+12% vs US avg
x
Vacancy Rate
1.0%-90% vs US avg
x
Broadband Access
97.4%+12% vs US avg
x
4+ Bedrooms
14.2%-4% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
4.2%-40% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
27.3%-28% vs US avg
x
$1,176,100
Home Value
$2,877
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached80.5%
  • 1-unit attached6.6%
  • 2-9 units5.8%
  • 10+ units6.8%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,176,100
Median rent$2,877
Owner-occupied73.6%
Vacant1.0%
Price-to-income7.2x
Est. income to buy$324,000