ZIP Code 95112 — San Jose, California

The median home in 95112 is valued at $918,700 against a median household income of $85,080, a price-to-income ratio of 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, 95112 ranks 48 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 28.3% of median household income (median rent $2,008 a month), under the 30% cost-burden threshold.

95112 ranks 810 of 1,558 statewide on median household income and 377 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 29% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 39% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 17.6%, far above the 10.8% statewide ZIP median. Unemployment stands at 5.4%.

With 8,051 residents per square mile across 7.3 square miles of land, 95112 is far denser than the statewide ZIP median of 1,120 (rank 236 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.