ZIP Code 95122 — San Jose, California

The median home in 95122 is valued at $817,000 against a median household income of $94,924, a price-to-income ratio of 8.6. 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, 95122 ranks 29 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 28.7% of median household income (median rent $2,273 a month), under the 30% cost-burden threshold.

95122 ranks 648 of 1,558 statewide on median household income and 475 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 51% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.6%, in line with the 10.8% statewide ZIP median. Unemployment stands at 7.7%.

With 10,949 residents per square mile across 4.8 square miles of land, 95122 is far denser than the statewide ZIP median of 1,120 (rank 136 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.