ZIP Code 95128 — San Jose, California

The median home in 95128 is valued at $1,201,800 against a median household income of $117,284, a price-to-income ratio of 10.2. 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, 95128 ranks 44 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 24.2% of median household income (median rent $2,366 a month), under the 30% cost-burden threshold.

95128 ranks 366 of 1,558 statewide on median household income and 192 of 1,558 on median home value; its income is below the $159,101 Santa Clara County median. 44% of households own their home, below the 64% statewide ZIP median, so most residents rent. 50% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 8.7%, below the 10.8% statewide ZIP median. Unemployment stands at 2.8%.

With 8,629 residents per square mile across 3.9 square miles of land, 95128 is far denser than the statewide ZIP median of 1,120 (rank 216 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.