ZIP Code 95138 — San Jose, California

The median home in 95138 is valued at $1,277,100 against a median household income of $189,359, a price-to-income ratio of 6.7. 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, 95138 ranks 4 of 56 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.6. Renting takes 17.9% of median household income (median rent $2,830 a month), under the 30% cost-burden threshold.

95138 ranks 60 of 1,558 statewide on median household income and 173 of 1,558 on median home value; its income is above the $159,101 Santa Clara County median. 84% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 54% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.5%, below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.6%.

With 747 residents per square mile across 26 square miles of land, 95138 is less dense than the statewide ZIP median of 1,120 (rank 844 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.