ZIP Code 95014 — Cupertino, California

The median home in 95014 is valued at more than $2,000,000 (the Census reporting ceiling) against a median household income of $222,878, a price-to-income ratio of at least 9.0. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Santa Clara County, 95014 ranks 34 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 18.8% of median household income (median rent $3,501 a month), under the 30% cost-burden threshold.

95014 ranks 20 of 1,558 statewide on median household income and 1 of 1,558 on median home value; its income is above the $159,101 Santa Clara County median. 59% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 83% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.2%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 2.9%.

With 2,466 residents per square mile across 24.9 square miles of land, 95014 is far denser than the statewide ZIP median of 1,120 (rank 657 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.