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City · 10,440 residents · Santa Clara County, California

Alum Rock , California

In Alum Rock, a typical home is worth $909,500 and typical rent is $2,389 a month. Compared with all of Santa Clara County, the typical home value is 39% lower, typical household income is 23% lower, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $909,500

    39% below the county

    24% above California

    • Alum Rock
    • Santa Clara
    • California

  • Typical rent

    $2,389a month

    16% below the county

    17% above California

    • Alum Rock
    • Santa Clara
    • California

  • Typical household income

    $126,705a year

    23% below the county

    28% above California

    • Alum Rock
    • Santa Clara
    • California

  • Households that own their home

    70%

    15 points above the county

    14 points above California

    • Alum Rock
    • Santa Clara
    • California

Source: U.S. Census Bureau, Average 2020–2024

Alum Rock is in Santa Clara County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Santa Clara County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Alum Rock apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Alum Rock is worth $909,500, 39% less than in Santa Clara County as a whole ($1,490,600).

  2. 70% of households in Alum Rock own their home, against 55% in Santa Clara County.

  3. The typical household income in Alum Rock is $126,705, 23% less than in Santa Clara County as a whole ($164,281).

  4. The typical rent in Alum Rock is $2,389 a month, 16% less than in Santa Clara County as a whole ($2,857).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Alum Rock

What homes there are in Alum Rock, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Alum Rock: 88% of homes, more than in Santa Clara County (51%).

Year built

Homes in Alum Rock are older: the typical year built is 1953; in Santa Clara County, 1975.

Homes in Alum Rock are bigger: 72% have 3 bedrooms or more; in Santa Clara County, 56%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,005 a month

Santa Clara County: $4,000 or more a month

Without a mortgage

$781 a month

Santa Clara County: $1,155 a month

Owners with a mortgage

77%

Santa Clara County: 67%

The typical cost for an owner with a mortgage in Alum Rock is $3,005 a month; without one, $781.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Alum Rock does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Santa Clara County the typical home value rose 52%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAlum RockSanta Clara CountyCaliforniaUnited States
Rental vacancy Unreliable estimate5.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 18.1%7.5%8.2%3.4%
People per household 3.842.822.842.53
Drive alone 76%60%66%69%
Carpool 11%9%10%9%
Public transit Unreliable estimate2%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 8%24%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 18.1% of households in Alum Rock live, more than in Santa Clara County (7.5%).

Households in Alum Rock are bigger: 3.84 people on average; in Santa Clara County, 2.82.

The car rules in Alum Rock: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Alum Rock?

A typical home costs more than the typical income allows

We start with a typical home in Alum Rock, worth $909,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 71% of the typical household income in Alum Rock, which is $126,705 a year. For that payment to be 28% of income, a household would need to earn about $320,460 a year.

The calculator's FHA and conventional loan limits are those of all of Santa Clara County.

Your numbers

Local data
$

Starts at the typical home value in Alum Rock. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $31,833 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,477

at 7.18% · 30 years

Loan amount
$893,026
Total interest
$1,284,855
Paid off in
November 2056

Includes $15,359 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,956 a month

  • Tight

    $2,956 to $3,801 a month

  • Hard

    more than $3,801 a month

    Your payment · 71%

Compared with the typical household income in Alum Rock ($126,705 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,477
Principal & interest$6,050
Property tax$500
Home insurance$379
FHA mortgage insurance (MIP)$549

You need at least $31,833 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Alum Rock and Santa Clara County

Alum Rock is in Santa Clara County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Alum Rock's own numbers

Typical home value
$909,500
Typical monthly rent
$2,389
Typical yearly household income
$126,705
Households that own their home
70%
Effective property tax rate
0.66%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Santa Clara County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$3,272
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
6.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Santa Clara County.

Everything about Santa Clara County

Buying

Buying a home in Alum Rock

A typical home in Alum Rock is worth $909,500: 39% below the county and 24% above California. With the typical household income in Alum Rock ($126,705 a year), a typical home costs 7.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Alum Rock 7.2 years
  • Santa Clara 9.1 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Santa Clara County

According to FHFA’s house price index, home prices in Santa Clara County rose 64% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Santa Clara County.

Period County California U.S.
Last year (2025) −0.6% +0.8% +2.9%
5 years (2020–2025) +35% +40% +47%
10 years (2015–2025) +64% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Alum Rock next to Santa Clara County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Alum Rock $909,500
  • Santa Clara $1,490,600
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Alum Rock $2,389
  • Santa Clara $2,857
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Alum Rock $126,705
  • Santa Clara $164,281
  • California $99,122
  • United States $80,734
See the full table
Alum Rock next to Santa Clara County and California
Measure Alum Rock Santa Clara County California U.S.
Typical home value $909,500 $1,490,600 $734,700 $332,700
Typical monthly rent $2,389 $2,857 $2,036 $1,413
Typical yearly household income $126,705 $164,281 $99,122 $80,734
Households that own their home 70% 55% 56% 65%
Typical yearly property tax $6,036 $10,001 $5,124 $3,119
Effective property tax rate 0.66% 0.67% 0.7% 0.94%
Renters with high rent for their income 52% 45% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Santa Clara County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Alum Rock

For a typical $909,500 home in Alum Rock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Alum Rock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,477a month

    Least cash to close
    Down payment
    $31,833
    Cash to close
    $59,118
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $549

  • Conventional, 5% down $7,164a month

    Down payment
    $45,475
    Cash to close
    $72,760
    Rate
    7.18%
    Mortgage insurance
    PMI · $432

  • Conventional, 20% down, no PMI $5,808a month

    Down payment
    $181,900
    Cash to close
    $209,185
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,649a month

    Down payment
    $136,425
    Cash to close
    $163,710
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Alum Rock and for Santa Clara County.

Property tax

Effective rate in Alum Rock

0.66%of the home’s value each year

$6,036 a year for the typical owner in Alum Rock.

  • Alum Rock 0.66%
  • Santa Clara 0.67%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Santa Clara County

FEMA does not publish these numbers by city: they are for all of Santa Clara County.

Homes in the high-risk zone
6.7%
32,371
Of those, with NFIP insurance
22%
County California U.S.
Homes in the high-risk zone 6.7% 2.8% 3.5%
Of those, with NFIP insurance 22% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Alum Rock

Typical rent in Alum Rock is $2,389 a month: 16% below the county. In Alum Rock, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Santa Clara County, by unit size. To pay the 2-bedroom one ($3,272 a month) without spending more than 30% of your income, you would need to earn $62.92 an hour working full time.

HUD fair market rent for all of Santa Clara County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,458 $47.27 $98,320
1 bedroom $2,778 $53.42 $111,120
2 bedrooms $3,272 $62.92 $130,880
3 bedrooms $4,396 $84.54 $175,840
4 bedrooms $4,688 $90.15 $187,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Alum Rock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Alum Rock is in ZIP code 95127.

For 2 bedrooms it is $2,940: $332 less than the fair market rent for Santa Clara County ($3,272).

  • 95127 $2,940$3,950

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Alum Rock when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Alum Rock

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Santa Clara County; 2 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Alum Rock

No down payment, repair or rent-help program on our list is for Alum Rock or Santa Clara County. The ones below are statewide in California: they work in Alum Rock the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Alum Rock

The HUD-approved agencies closest to the center of Alum Rock, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Habitat for Humanity East Bay/Silicon Valley - Milpitas

    1608 Las Plumas Ave, San Jose · 3 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (510) 803-3362

  • Santa Clara County Asian Law Alliance

    991 W Hedding St, San Jose · 6 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, Korean, and Vietnamese.

    • Fair housing pre-purchase workshops
    • Homelessness services
    • and 2 more
    (408) 287-9710

  • Project Sentinel

    1490 El Camino Real, Santa Clara · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (408) 470-3730

Every agency in Santa Clara County All counseling agencies in California

Help in Spanish near Alum Rock

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Alum Rock

HUD’s record names them for Alum Rock or Santa Clara County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Santa Clara County Housing Authority Public housing and Section 8 vouchers (408) 275-8770

One other authority has an office in Santa Clara County: see the list Source: HUD

Cities

Other cities in Santa Clara County

These cities are also in Santa Clara County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Santa Clara County Housing in California
See 6 more cities in Santa Clara County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Alum Rock, with the typical home value.

Neighboring counties

If Santa Clara County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Alum Rock.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Alum Rock

Short answers with the numbers for Alum Rock and all of Santa Clara County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Alum Rock?

The typical home value in Alum Rock is $909,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Clara County it is $1,490,600.

How much does it cost to rent in Alum Rock?

Typical rent in Alum Rock is $2,389 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Santa Clara County is $3,272.

What is the FHA loan limit in Alum Rock?

Alum Rock uses the FHA limit for all of Santa Clara County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Alum Rock?

The typical homeowner in Alum Rock pays $6,036 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Santa Clara County, the rate is 0.67%.

Where can I find free help to buy or rent in Alum Rock?

There are 3 HUD-approved counseling agencies with an office in Santa Clara County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).