ZIP Code 95130 — San Jose, California

The median home in 95130 is valued at $1,691,500 against a median household income of $169,199, a price-to-income ratio of 10.0. 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, 95130 ranks 40 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 15.7% of median household income (median rent $2,217 a month), under the 30% cost-burden threshold.

95130 ranks 106 of 1,558 statewide on median household income and 80 of 1,558 on median home value; its income is above the $159,101 Santa Clara County median. 61% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 61% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.6%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 2.4%.

With 9,554 residents per square mile across 1.4 square miles of land, 95130 is far denser than the statewide ZIP median of 1,120 (rank 172 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.