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San Jose city, CA

ZIP 95136 — 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 95136

Median Home Value
$1,104,300
Median Rent
$2,570
Affordability Snapshot
$304,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,094/mo PITI).

21%
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.

35.8 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 95136 in San Jose city, CA, a household would need roughly $304,000 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 $7,094. That is about 112% above the local median household income ($143,696), 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
58.7%-10% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
2.3%-67% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
33.6%-12% vs US avg
x
$1,104,300
Home Value
$2,570
Rent
1982
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 detached43.6%
  • 1-unit attached15.8%
  • 2-9 units12.1%
  • 10+ units21.4%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,104,300
Median rent$2,570
Owner-occupied58.7%
Vacant2.9%
Price-to-income7.7x
Est. income to buy$304,000