US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95132
  5. Housing & Real Estate
San Jose city, CA

ZIP 95132 — 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 95132

Median Home Value
$1,263,600
Median Rent
$2,849
Affordability Snapshot
$348,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,117/mo PITI).

20%
Rent-to-Income Ratio

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

7.3x
Home Price-to-Income Ratio

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

37.0 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 95132 in San Jose city, CA, a household would need roughly $348,000 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 $8,117. That is about 102% above the local median household income ($172,266), 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
74.6%+14% vs US avg
x
Vacancy Rate
3.9%-63% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
8.2%-44% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
31.5%-18% vs US avg
x
$1,263,600
Home Value
$2,849
Rent
1974
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 detached78.5%
  • 1-unit attached10.1%
  • 2-9 units5.6%
  • 10+ units5.6%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,263,600
Median rent$2,849
Owner-occupied74.6%
Vacant3.9%
Price-to-income7.3x
Est. income to buy$348,000