ZIP Code 95032 — Los Gatos, California

The median home in 95032 is valued at more than $2,000,000 (the Census reporting ceiling) against a median household income of $185,822, a price-to-income ratio of at least 10.8. That is far 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, which means a household earning the local median income cannot finance the local median home on conventional terms. Within Santa Clara County, 95032 ranks 47 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 19.0% of median household income (median rent $2,937 a month), under the 30% cost-burden threshold.

95032 ranks 72 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. 64% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 74% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.6%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 5.1%.

With 1,480 residents per square mile across 18.7 square miles of land, 95032 is denser than the statewide ZIP median of 1,120 (rank 741 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.