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San Jose city, CA

ZIP 95128 — 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 95128

Median Home Value
$1,214,500
Median Rent
$2,366
Affordability Snapshot
$334,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,802/mo PITI).

23%
Rent-to-Income Ratio

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

9.9x
Home Price-to-Income Ratio

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

42.8 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 95128 in San Jose city, CA, a household would need roughly $334,000 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 $7,802. That is about 172% above the local median household income ($122,647), 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
44.3%-32% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
10.4%-18% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
29.5%-23% vs US avg
x
$1,214,500
Home Value
$2,366
Rent
1968
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached41.1%
  • 1-unit attached6.9%
  • 2-9 units19.7%
  • 10+ units30.1%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,214,500
Median rent$2,366
Owner-occupied44.3%
Vacant7.4%
Price-to-income9.9x
Est. income to buy$334,000