ZIP Code · CA

ZIP 95120

Part of San Jose, CA

Pop. 36,967·Santa Clara County·31st most expensive ZIP in California

Median rent (all units)

$5,201/mo

Year-over-Year

Stable

Month-over-Month

-0.6%

vs US Median

+$3,269

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 95120 · $5,201

More expensive than 99% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$2,700

1 BR

$3,030

2 BR

$3,580

3 BR

$4,710

4 BR+

$5,100

Research median

$3,580/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

What a typical income covers

30% of the median household income ($250,001) is $6,250 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($5,100).

Rank in San Jose

25th cheapest of 25 ZIP codes in San Jose.

Cheaper nearby

ZIP 95123, 4 miles away, rents for 33% less ($3,503/mo), about $20,400 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 95120. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$62,412/yr

At $5,201/mo median

Location

CitySan Jose

StateCA

CountySanta Clara County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, -0.6% MoM), not inventory.

Demographics

Who lives here

ZIP 95120 (San Jose, CA) is majority owner-occupied, has a large retiree population, has a median income above the national average, 75.2% of residents hold a bachelor's degree or higher.

Population

36,967

Median income

$250,001

Median age

47.5

Renters

10.9%

Age distribution

22.3%

12.2%

29%

16.2%

20.4%

Under 1822.3%

18–3412.2%

35–5429%

55–6416.2%

65+20.4%

Gender

50.3%

49.7%

Male50.3%

Female49.7%

Race & ethnicity

45.3%

41.4%

White45.3%

Black0.6%

Hispanic7.5%

Asian41.4%

Other5.2%

Education (25+)

15.5%

75.2%

No HS diploma3.1%

HS diploma6.3%

Some college15.5%

Bachelor's+75.2%

Housing tenure

89.1%

Owner89.1%

Renter10.9%

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

2021 vs 2026

How ZIP 95120 in San Jose, CA has changed in 5 years

Income

$221,632 → $250,001

up 12.8%

Population

38,358 → 36,967

down 3.6%

Renter share

11.5% → 10.9%

-0.6 pts

Bachelor's+

73.5% → 75.2%

+1.7 pts

Median age

46.3 → 47.5

+1.2 yrs

Median household income climbed from $221,632 to $250,001 between 2021 and 2024, a 12.8% shift. Census counts show ZIP 95120 in San Jose, CA losing about 1,391 residents over the five-year window, down 3.6% on net.

Community

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Local insights

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About renting in ZIP 95120

Last updated: October 17, 2026

ZIP code 95120 covers San Jose, CA. The median rent here is $5,201/mo as of October 2026. A 1-bedroom rents for a median of $3,030/mo. A 2-bedroom rents for a median of $3,580/mo.

At 25% of local median household income ($250,001/yr), ZIP 95120 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95120?

To keep rent at or below 30% of gross income, you would need to earn at least $208,000/year (about $100/hour full-time) to afford the median rent of $5,201/mo in ZIP 95120. The local median household income is $250,001/yr, so the typical household meets that bar.