ZIP Code · CA

ZIP 95020

Part of Gilroy, CA

Pop. 67,181·Santa Clara County·307th most expensive ZIP in California

Median rent (all units)

$3,096/mo

Year-over-Year

+3.6%

Month-over-Month

Stable

vs US Median

+$1,164

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 95020 · $3,096

More expensive than 92% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$2,070

1 BR

$2,350

2 BR

$2,750

3 BR

$3,630

4 BR+

$3,960

Research median

$2,750/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 95020 is at its highest level since Zillow's records here began in January 2023.

Past year vs. the rest of California

Rent in ZIP 95020 changed +3.6% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent has risen 3 months in a row, and rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($137,117) is $3,428 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,750); a 3-bedroom is $3,630.

From Zillow's monthly rent index (ZORI) for ZIP 95020. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$37,152/yr

At $3,096/mo median

Location

CityGilroy

StateCA

CountySanta Clara County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.6% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.6% YoY, +0.0% MoM), not inventory.

Demographics

Who lives here

ZIP 95020 (Gilroy, CA) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 28.5% of residents hold a bachelor's degree or higher.

Population

67,181

Median income

$137,117

Median age

37.6

Renters

36.2%

Age distribution

25.8%

21.1%

26.8%

12.1%

14.1%

Under 1825.8%

18–3421.1%

35–5426.8%

55–6412.1%

65+14.1%

Gender

50.8%

49.2%

Male50.8%

Female49.2%

Race & ethnicity

32.1%

57.7%

White32.1%

Black1.8%

Hispanic57.7%

Asian9%

Education (25+)

16.5%

21.6%

33.4%

28.5%

No HS diploma16.5%

HS diploma21.6%

Some college33.4%

Bachelor's+28.5%

Housing tenure

63.8%

36.2%

Owner63.8%

Renter36.2%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 95020 in Gilroy, CA has changed in 5 years

Rent

$2,804 → $3,096

up 10.4%

Income

$117,236 → $137,117

up 17.0%

Population

67,851 → 67,181

down 1.0%

Renter share

34.2% → 36.2%

+2.0 pts

Bachelor's+

28.2% → 28.5%

+0.3 pts

Median age

36.1 → 37.6

+1.5 yrs

Since 2023, the typical rent in ZIP 95020 in Gilroy, CA has increased from $2,804 to $3,096, a 10.4% change over five years. Household income in the area moved from $117,236 to $137,117 across the same window, up 17.0% versus 2021. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has contracted by 1.0% since 2021, moving from about 67,851 residents to roughly 67,181. Renters now make up 36.2% of households, compared with 34.2% five years ago. Reading these numbers side by side helps frame whether current listings in ZIP 95020 in Gilroy, CA look reasonable against where the market sat half a decade ago.

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Local insights

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About renting in ZIP 95020

Last updated: October 17, 2026

ZIP code 95020 covers Gilroy, CA. The median rent here is $3,096/mo as of October 2026. A 1-bedroom rents for a median of $2,350/mo. A 2-bedroom rents for a median of $2,750/mo.

At 27% of local median household income ($137,117/yr), ZIP 95020 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.6% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95020?

To keep rent at or below 30% of gross income, you would need to earn at least $124,000/year (about $60/hour full-time) to afford the median rent of $3,096/mo in ZIP 95020. The local median household income is $137,117/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 95020?

Rent in ZIP 95020 has risen 3.6% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2023.

How does ZIP 95020 compare to other ZIPs in California?

ZIP 95020 is in the middle among California ZIP codes for rent, ranking #307 of 898 at $3,096/mo. Over the year to September 2026, rent in ZIP 95020 changed +3.6%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.