ZIP Code 95131 — San Jose, California

The median home in 95131 is valued at $1,112,000 against a median household income of $164,227, a price-to-income ratio of 6.8. That is in line with 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, 95131 ranks 6 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 21.7% of median household income (median rent $2,964 a month), under the 30% cost-burden threshold.

95131 ranks 115 of 1,558 statewide on median household income and 238 of 1,558 on median home value; its income is in line with the $159,101 Santa Clara County median. 63% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 57% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 7.1%, below the 10.8% statewide ZIP median. Unemployment stands at 5.6%.

With 5,403 residents per square mile across 5.8 square miles of land, 95131 is far denser than the statewide ZIP median of 1,120 (rank 416 of 1,558). This is predominantly single-family residential with suburban street patterns.