ZIP Code 95123 — San Jose, California

The median home in 95123 is valued at $1,076,400 against a median household income of $138,557, a price-to-income ratio of 7.8. 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, 95123 ranks 19 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 25.3% of median household income (median rent $2,920 a month), under the 30% cost-burden threshold.

95123 ranks 203 of 1,558 statewide on median household income and 265 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 60% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 45% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 5.8%, below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 4.2%.

With 9,096 residents per square mile across 7.8 square miles of land, 95123 is far denser than the statewide ZIP median of 1,120 (rank 193 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.