ZIP Code 95138 — San Jose city, CA Demographics & Data

ZIP code 95138 covers San Jose, CA in Santa Clara County with a population of about 19,513.

At a glance, the area shows median age of 38.8 (near the U.S. median).

It sits in telephone area codes 408, 669; U.S. House district CA-19; the SAN FRANCISCO - OAK - SAN JOSE media market.

San Jose, CA sits in a university / college context (near carrington college-san jose (2.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 95138 is about $194,300 — about 159% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 3.4%; 53.4% of adults with a bachelor’s degree or higher (about 19.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Professional services, and Healthcare; about 17.0% of workers reporting work-from-home (about 1.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,355,000 — about 289% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,462 (about 112% above the U.S. median rent ($1,163)), and owner-occupancy near 82.2% (about 16.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95138 in San Jose, CA, a household would need roughly $373,000 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 $8,704. That is about 92% above the local median household income ($194,300), 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.

FEMA’s National Risk Index rates natural-hazard risk for San Jose city, CA as Very High (composite score 99.7), which is among the highest nationally. The strongest component scores on US5 are flood (99.8) and wildfire (97.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for San Jose city, CA show little to no average snow and around 27.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 960 for ZIP 95138 (San Jose city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.