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San Jose city, CA

ZIP 95121 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95121

Median Home Value
$1,024,700
Median Rent
$2,724
Affordability Snapshot
$282,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,582/mo PITI).

24%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

31.3 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 95121 in San Jose city, CA, a household would need roughly $282,000 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 $6,582. That is about 111% above the local median household income ($133,700), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
77.1%+18% vs US avg
x
Vacancy Rate
1.4%-87% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
30.7%-38% vs US avg
x
Mortgage-Free
38.0%-1% vs US avg
x
$1,024,700
Home Value
$2,724
Rent
1976
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached75.0%
  • 1-unit attached12.0%
  • 2-9 units2.8%
  • 10+ units5.4%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,024,700
Median rent$2,724
Owner-occupied77.1%
Vacant1.4%
Price-to-income7.7x
Est. income to buy$282,000