ZIP Code 95070 — Saratoga, California

The median home in 95070 is valued at more than $2,000,000 (the Census reporting ceiling) against a median household income of $237,455, a price-to-income ratio of at least 8.4. 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, 95070 ranks 26 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 17.7% of median household income (median rent $3,501 a month), under the 30% cost-burden threshold.

95070 ranks 16 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. 87% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 80% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.2%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.3%.

With 1,120 residents per square mile across 28.3 square miles of land, 95070 is in line with the statewide ZIP median of 1,120 (rank 779 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.