ZIP Code 95020 — Gilroy, California

The median home in 95020 is valued at $944,000 against a median household income of $128,977, a price-to-income ratio of 7.3. 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, 95020 ranks 12 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 20.8% of median household income (median rent $2,237 a month), under the 30% cost-burden threshold.

95020 ranks 269 of 1,558 statewide on median household income and 357 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 65% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 7.4%, below the 10.8% statewide ZIP median. Unemployment stands at 6.3%.

With 450 residents per square mile across 151.8 square miles of land, 95020 is far less dense than the statewide ZIP median of 1,120 (rank 916 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.