ZIP Code 95127 — San Jose, California

The median home in 95127 is valued at $915,900 against a median household income of $118,770, a price-to-income ratio of 7.7. 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, 95127 ranks 18 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 24.3% of median household income (median rent $2,401 a month), under the 30% cost-burden threshold.

95127 ranks 353 of 1,558 statewide on median household income and 379 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 66% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.2%, below the 10.8% statewide ZIP median. Unemployment stands at 5.6%.

With 3,277 residents per square mile across 19 square miles of land, 95127 is far denser than the statewide ZIP median of 1,120 (rank 574 of 1,558). This is predominantly single-family residential with suburban street patterns.