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San Jose city, CA

ZIP 95139 — 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 95139

Median Home Value
$1,125,200
Median Rent
$3,316
Affordability Snapshot
$310,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,228/mo PITI).

21%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

28.3 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 95139 in San Jose city, CA, a household would need roughly $310,000 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 $7,228. That is about 61% above the local median household income ($193,061), 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
78.5%+20% vs US avg
x
Vacancy Rate
0.8%-92% vs US avg
x
Broadband Access
97.6%+12% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
25.6%-33% vs US avg
x
$1,125,200
Home Value
$3,316
Rent
1975
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 detached81.1%
  • 1-unit attached16.7%
  • 2-9 units0.5%
  • 10+ units1.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,125,200
Median rent$3,316
Owner-occupied78.5%
Vacant0.8%
Price-to-income5.8x
Est. income to buy$310,000