San Jose, California.
Typical home $1,353,869 (-0.5% in a year), asking rent $3,582 (+7.5%). San Jose-Sunnyvale-Santa Clara, CA metro.
to buy the typical home at today's mortgage rate — +$3,654 (+106%) since Jan 2020.
- 1 year
- Down $7,232 -1%
- $1,361,100$1,353,869 since Sep 2025
- 5 years
- Up $204,475 +18%
- $1,149,393$1,353,869 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- San Jose$7,106
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in San Jose, CA fell 0.5% over the past year — slower than the nation's +1.2%.
Asking rents in San Jose, CA rose 7.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in San Jose runs $5,730/mo more than renting one. The gap peaked at $6,755 in Jan 2025.
That is $9,313 a month against $3,582 rent: a $7,106 mortgage payment, plus $757 property tax and $1,449 insurance & upkeep.
Owning vs renting — San Jose
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$9,313
- Renting$3,582
- Mortgage only$7,106
Property tax · $757/mo 0.67% of value a year — the ACS 2020-2024 median bill over the median home value for Santa Clara County, CA
Insurance & upkeep · $1,449/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in San Jose, Santa Clara County, California
San Jose is a city of 1,013,240 people in Santa Clara County. Half its households earn more than $146,427 a year and half less, against $164,281 across Santa Clara County; 8% of its people live below the poverty line. 56% of its homes are lived in by their owners and 44% are rented. Unemployment in San Jose was 4.4% in August 2026, and Santa Clara County had 0.3% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. San Jose is a large city, the biggest in its county, and its residents sit around the middle of adult ages. Incomes run high, though a little below the county's as a whole, and most households live in homes they own, with a sizeable share renting. Homes and rents are expensive, and a good many adults hold a four-year degree. Winters are mild and cool rather than cold, summers are warm, snow is rare, and the yearly rainfall is on the low side.
Work. Residents work mostly in professional and business services, in schools, hospitals and social care, in manufacturing and in shops. Among the largest workplaces in San Jose are Bytedance, the medical equipment maker Stryker, and San Jose Unified, the school district. Commutes are of middling length, and a fair number of people work from home.
Things to do. A short drive away, the Rosicrucian Egyptian Museum and the Rosicrucian Park around it make an easy outing, and the Japanese Friendship Garden is a botanical garden also close by. For sport, PayPal Park is a stadium a short drive off, while the Computer History Museum is a longer drive away.
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- 328,550households
- 47%of adults have a degree
- 8%below the poverty line
- 27 mintypical commute
- 20%work from home
What residents work in
Employed residents by industry, from the Census survey. Santa Clara County had 1,119,582 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 59° and lows near 43°; warmest in August, with highs near 83° and lows near 60°. About 16 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the San Jose weather station, 6 miles away (NOAA).
Largest workplaces in San Jose
- Bytedance Inc. - San JoseMedia streaming distribution services4,374
- StrykerHospital beds manufacturing2,975
- San Jose UnifiedSchool district2,495FTE
- Samsung SemiconductorSemiconductor devices merchant wholesalers1,777
- East Side Union High SchoolsSchool district1,744FTE
- Cupertino Electric, INC - San Jose OperationsElectrical contractors1,495
- Good Samaritan HospitalGeneral hospital1,416FTE
- California Water Service GroupWater supply systems1,336
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 559 workplaces with 20 or more staff, 86,523 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingVery high
- EarthquakesRelatively high
- Inland floodingRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in San Jose’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Santa Clara County and the San Jose-Sunnyvale-Santa Clara, CA metro.
San Jose home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- San Jose$1,353,869
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 San Jose listings, and the typical home goes pending in 20 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- San Jose23.67%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- San Jose20
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- San Jose1,508
New listings per month
Sellers arriving at the market.
- San Jose551
Median sale price
What buyers actually paid — closed sales, not asking prices.
- San Jose$1,314,541
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- San Jose101.58%
Zip codes with a San Jose address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls San Jose — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in San Jose
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 95123 | San Jose | 69,677 | $3,503 | $1,300,855 |
| 95127 | San Jose | 58,825 | $3,560 | $1,065,993 |
| 95112 | San Jose | 57,373 | $3,236 | $955,964 |
| 95111 | San Jose | 57,202 | $3,374 | $1,020,373 |
| 95125 | San Jose | 54,419 | $3,914 | $1,818,389 |
| 95124 | San Jose | 52,096 | $4,386 | $1,860,049 |
| 95122 | San Jose | 50,775 | $3,291 | $945,302 |
| 95136 | San Jose | 48,056 | $3,659 | $1,301,070 |
| 95116 | San Jose | 48,042 | $2,929 | $896,881 |
| 95148 | San Jose | 44,995 | $4,131 | $1,461,249 |
| 95129 | San Jose | 41,321 | $3,121 | $2,508,365 |
| 95132 | San Jose | 40,334 | $4,045 | $1,536,930 |
| 95126 | San Jose | 38,327 | $3,372 | $1,147,963 |
| 95120 | San Jose | 36,967 | $5,201 | $2,153,116 |
| 95121 | San Jose | 36,463 | $3,467 | $1,194,591 |
| 95128 | San Jose | 33,165 | $3,539 | $1,400,719 |
| 95118 | San Jose | 32,015 | $4,569 | $1,572,344 |
| 95131 | San Jose | 31,179 | $3,693 | $1,283,174 |
| 95134 | San Jose | 30,471 | $3,962 | $1,009,303 |
| 95133 | San Jose | 29,710 | $3,894 | $1,093,948 |
| 95117 | San Jose | 26,953 | $3,012 | $1,661,978 |
| 95135 | San Jose | 20,129 | $3,987 | $1,679,464 |
| 95110 | San Jose | 19,963 | $3,382 | $796,857 |
| 95138 | San Jose | 18,960 | $4,149 | $1,729,667 |
| 95130 | San Jose | 13,511 | $4,201 | $2,021,759 |
| 95119 | San Jose | 10,841 | — | $1,349,140 |
| 95139 | San Jose | 7,035 | — | $1,284,216 |
| 95113 | San Jose | 2,640 | $3,633 | $627,666 |
| 95002 | Alviso | 1,542 | — | $1,162,613 |