ZIP Code 95046 — San Martin, California

The median home in 95046 is valued at $1,317,400 against a median household income of $148,000, a price-to-income ratio of 8.9. 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, 95046 ranks 32 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 17.5% of median household income (median rent $2,154 a month), under the 30% cost-burden threshold.

95046 ranks 161 of 1,558 statewide on median household income and 160 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 73% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 31% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 7.9%, below the 10.8% statewide ZIP median. Unemployment stands at 6.9%.

With 309 residents per square mile across 18.8 square miles of land, 95046 is far less dense than the statewide ZIP median of 1,120 (rank 978 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.