ZIP Code 95132 — San Jose, California

The median home in 95132 is valued at $1,213,200 against a median household income of $164,447, a price-to-income ratio of 7.4. 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, 95132 ranks 14 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 22.4% of median household income (median rent $3,065 a month), under the 30% cost-burden threshold.

95132 ranks 114 of 1,558 statewide on median household income and 190 of 1,558 on median home value; its income is in line with the $159,101 Santa Clara County median. 74% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 50% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 8.5%, below the 10.8% statewide ZIP median. Unemployment stands at 5.7%.

With 1,496 residents per square mile across 27.4 square miles of land, 95132 is denser than the statewide ZIP median of 1,120 (rank 737 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.