City · 990,138 residents · Santa Clara County, California
San Jose, California
In San Jose, a typical home is worth $1,233,200 and typical rent is $2,669 a month. Compared with all of Santa Clara County, the typical home value is 17% lower and typical household income is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $1,149,393 to $1,353,869.
Typical rent
$3,582a month
▲ 7.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,878 to $3,582.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
San Jose 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Alum Rock, the typical home value is $909,500: 26% less than in San Jose ($1,233,200).
2
The typical home in San Jose is worth $1,233,200,17% less than in Santa Clara County as a whole ($1,490,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in San Jose
What homes there are in San Jose, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and other
San Jose
Santa Clara County
California
United States
Kind of home: San Jose and its comparisons
Measure
San Jose
Santa Clara County
California
United States
Detached house
51%
51%
57%
61%
Attached house
11%
11%
7%
6%
Building of 2 to 4
7%
7%
8%
8%
Apartments (5 or more)
28%
29%
24%
19%
Mobile home
3%
3%
4%
6%
Boat, RV and other
0%
0%
0%
0%
As in Santa Clara County, most homes in San Jose are detached houses (51%).
Year built
Before 19601960–19791980–19992000–20092010 or later
San Jose
Santa Clara County
California
United States
Year built: San Jose and its comparisons
Measure
San Jose
Santa Clara County
California
United States
Before 1960
19%
22%
27%
26%
1960–1979
42%
38%
29%
24%
1980–1999
21%
20%
25%
25%
2000–2009
10%
9%
11%
14%
2010 or later
9%
11%
8%
11%
In San Jose, half of the homes were built before 1976; in Santa Clara County, before 1975.
Much as in Santa Clara County, 56% of homes in San Jose have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either side
Under $100K2%
$100K–$200K2%
$200K–$300K2%
$300K–$500K3%
$500K–$750K7%
$750K–$1M14%
$1M or more69%
FHA limit: $1,249,125
Value of owner-occupied homes: San Jose and its comparisons
Measure
San Jose
Under $100K
2%
$100K–$200K
2%
$200K–$300K
2%
$300K–$500K
3%
$500K–$750K
7%
$750K–$1M
14%
$1M or more
69%
With an FHA limit of $1,249,125, at least 31% of owner-occupied homes in San Jose sit below it: they are worth less than $1,000,000.
Monthly rent with utilities
Under the limitOver the limitCould be either side
Under $5004%
$500–$9995%
$1,000–$1,4996%
$1,500–$1,99912%
$2,000–$2,49918%
$2,500–$2,99917%
$3,000 or more39%
HUD fair market rent, 2 bedrooms: $3,272
Monthly rent with utilities: San Jose and its comparisons
Measure
San Jose
Under $500
4%
$500–$999
5%
$1,000–$1,499
6%
$1,500–$1,999
12%
$2,000–$2,499
18%
$2,500–$2,999
17%
$3,000 or more
39%
HUD's 2-bedroom fair market rent for Santa Clara County is high ($3,272): at least 61% of rents in San Jose cost less than $3,000.
With a mortgage
$4,000 or more a month
Santa Clara County: $4,000 or more a month
Without a mortgage
$1,098 a month
Santa Clara County: $1,155 a month
Owners with a mortgage
68%
Santa Clara County: 67%
With a mortgage, the typical cost of owning in San Jose is $4,000 or more a month, the highest group the Census publishes. Without one, $1,098.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
San Jose+43%
Santa Clara County+52%
California+46%
United States+53%
Typical rent
San Jose+27%
Santa Clara County+26%
California+36%
United States+33%
Typical household income
San Jose+34%
Santa Clara County+32%
California+32%
United States+29%
Change since 2015–2019: San Jose and its comparisons
Measure
San Jose
Santa Clara County
California
United States
Typical home value
+43%
+52%
+46%
+53%
Typical rent
+27%
+26%
+36%
+33%
Typical household income
+34%
+32%
+32%
+29%
Homes in San Jose gained value more slowly than in Santa Clara County: 43% since 2015–2019, against 52%.
Rents in San Jose rose at about the same pace as in Santa Clara County: 27% since 2015–2019, against 26%.
While home values in San Jose changed +43% and rent +27%, the typical household income rose 34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: San Jose and its comparisons
Measure
San Jose
Santa Clara County
California
United States
Rental vacancy
4.8%
5.1%
4.2%
5.5%
Homeowner vacancy
0.6%
0.7%
0.8%
0.9%
More than one person per room
9.0%
7.5%
8.2%
3.4%
People per household
2.97
2.82
2.84
2.53
Drive alone
63%
60%
66%
69%
Carpool
11%
9%
10%
9%
Public transit
2%
2%
3%
3%
Walk or bike
2%
3%
3%
3%
Work from home
20%
24%
17%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Santa Clara County, the rental vacancy rate in San Jose is 4.8%.
More households are short on space in San Jose: 9.0% have more than one person per room; in Santa Clara County, 7.5%.
More people live in each home here: 2.97 on average, against 2.82 in Santa Clara County.
The car rules in San Jose: 63% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in San Jose?
A typical home costs more than the typical income allows
We start with a typical home in San Jose, worth $1,233,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 84% of the typical household income in San Jose, which is $146,427 a year. For that payment to be 28% of income, a household would need to earn about $438,919 a year.
The calculator's FHA and conventional loan limits are those of all of Santa Clara County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in San Jose. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $43,162 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$10,241
at 7.18% · 30 years
Loan amount
$1,210,864
Total interest
$1,742,149
Paid off in
November 2056
Includes $20,826 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,417 a month
Tight
$3,417 to $4,393 a month
Hard
more than $4,393 a month
Your payment · 84%
Compared with the typical household income in San Jose ($146,427 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$8,203
Property tax
$781
Home insurance
$514
FHA mortgage insurance (MIP)
$744
You need at least $43,162 for the down payment, plus closing costs.
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.
Total monthly payment $10,241; principal and interest $8,203.
The city and its county
San Jose and Santa Clara County
San Jose 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).
San Jose
Map of Santa Clara County, California, with San Jose marked. Around it, the neighboring counties.
San Jose
Santa Clara County
Other cities with a page
San Jose's own numbers
Typical home value
$1,233,200
Typical monthly rent
$2,669
Typical yearly household income
$146,427
Households that own their home
56%
Effective property tax rate
0.76%
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.
A typical home in San Jose is worth $1,233,200: 17% below the county and 68% above California. With the typical household income in San Jose ($146,427 a year), a typical home costs 8.4 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.
San Jose8.4 years
Santa Clara9.1 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Santa Clara County, 2016 to 2025
2016: +9.7% +9.7% 2016
2017: +4.0% +4.0% 2017
2018: +11.8% +11.8% 2018
2019: −1.9% −1.9% 2019
2020: −3.0% −3.0% 2020
2021: +4.8% +4.8% 2021
2022: +15.7% +15.7% 2022
2023: +6.2% +6.2% 2023
2024: +5.3% +5.3% 2024
2025: −0.6% −0.6% 2025
Change in FHFA’s price index in Santa Clara County, California and the United States
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
San Jose 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
San Jose$1,233,200
Santa Clara$1,490,600
California$734,700
United States$332,700
Typical monthly rent
San Jose$2,669
Santa Clara$2,857
California$2,036
United States$1,413
Typical yearly household income
San Jose$146,427
Santa Clara$164,281
California$99,122
United States$80,734
See the full table
San Jose next to Santa Clara County and California
Measure
San Jose
Santa Clara County
California
U.S.
Typical home value
$1,233,200 ▼17% below the county
$1,490,600
$734,700
$332,700
Typical monthly rent
$2,669 ▼7% below the county
$2,857
$2,036
$1,413
Typical yearly household income
$146,427 ▼11% below the county
$164,281
$99,122
$80,734
Households that own their home
56% ▲1 points above the county
55%
56%
65%
Typical yearly property tax
$9,393 ▼6% below the county
$10,001
$5,124
$3,119
Effective property tax rate
0.76% ▲0.09 points above the county
0.67%
0.7%
0.94%
Renters with high rent for their income
50% ▲5 points above the county
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 San Jose
For a typical $1,233,200 home in San Jose, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Jose's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$10,241a month
Least cash to close
Down payment
$43,162
Cash to close
$80,158
Rate
7.18%
Mortgage insurance
FHA MIP · $744
Conventional, 5% down$9,817a month
Down payment
$61,660
Cash to close
$98,656
Rate
7.18%
Mortgage insurance
PMI · $586
Conventional, 20% down, no PMI$7,978a month
Down payment
$246,640
Cash to close
$283,636
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$9,118a month
Down payment
$184,980
Cash to close
$221,976
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in San Jose
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$10,241
$43,162
$1,210,864
7.18%
FHA MIP · $744
$80,158
580
Conventional, 5% down
$9,817
$61,660
$1,171,540
7.18%
PMI · $586
$98,656
620*
Conventional, 20% down, no PMI
$7,978
$246,640
$986,560
7.18%
None
$283,636
620*
ITIN, 15% down (example)
$9,118
$184,980
$1,048,220
8.18%
None
$221,976
Set by the lender
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.
Typical rent in San Jose is $2,669 a month: 7% below the county. In San Jose, 50% 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.
HUD fair market rent in Santa Clara County (Fiscal year 2027)
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 San Jose
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Jose has 24 ZIP codes with their own.
For 2 bedrooms it runs from $2,400 in 95111 to $4,460 in 95134.
10 of the 24 are above the fair market rent for Santa Clara County ($3,272).
2-bedroom fair market rent in each of the 24 ZIP codes of San Jose, beside the one for Santa Clara County. For 2 bedrooms it runs from $2,400 in 95111 to $4,460 in 95134. 10 of the 24 are above the fair market rent for Santa Clara County ($3,272).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $3,272
Lowest: $2,400 (95111)Highest: $4,460 (95134)
Fair market rent by ZIP code and size in San Jose, fiscal year 2027.
95002
$2,030
$2,310
$2,700
$3,590
$3,870
95110
$2,280
$2,570
$3,030
$4,070
$4,340
95111
$1,800
$2,040
$2,400
$3,220
$3,440
95112
$2,180
$2,460
$2,900
$3,900
$4,160
95113
$2,700
$3,060
$3,600
$4,840
$5,160
95116
$1,960
$2,220
$2,610
$3,510
$3,740
95117
$2,190
$2,480
$2,920
$3,920
$4,180
95118
$2,220
$2,500
$2,950
$3,960
$4,230
95119
$2,690
$3,040
$3,580
$4,810
$5,130
95121
$2,580
$2,920
$3,440
$4,620
$4,930
95122
$2,060
$2,330
$2,740
$3,680
$3,930
95123
$2,530
$2,860
$3,370
$4,530
$4,830
95124
$2,520
$2,840
$3,350
$4,500
$4,800
95125
$2,270
$2,560
$3,020
$4,060
$4,330
95126
$2,440
$2,760
$3,250
$4,370
$4,660
95128
$2,490
$2,810
$3,310
$4,450
$4,740
95129
$2,430
$2,770
$3,230
$4,330
$4,640
95130
$1,980
$2,240
$2,640
$3,550
$3,780
95131
$2,720
$3,070
$3,620
$4,860
$5,190
95133
$2,250
$2,550
$3,000
$4,030
$4,300
95134
$3,350
$3,790
$4,460
$5,990
$6,390
95136
$2,370
$2,670
$3,150
$4,230
$4,510
95139
$2,910
$3,310
$3,870
$5,110
$5,560
95148
$2,760
$3,130
$3,670
$4,930
$5,260
ZIP code2 bd3 bd
95002 $2,700$3,590
95110 $3,030$4,070
95111 $2,400$3,220
95112 $2,900$3,900
95113 $3,600$4,840
95116 $2,610$3,510
95117 $2,920$3,920
95118 $2,950$3,960
95119 $3,580$4,810
95121 $3,440$4,620
95122 $2,740$3,680
95123 $3,370$4,530
95124 $3,350$4,500
95125 $3,020$4,060
95126 $3,250$4,370
95128 $3,310$4,450
95129 $3,230$4,330
95130 $2,640$3,550
95131 $3,620$4,860
95133 $3,000$4,030
95134 $4,460$5,990
95136 $3,150$4,230
95139 $3,870$5,110
95148 $3,670$4,930
6 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for San Jose 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 185 buildings with rents for lower incomes in San Jose. These are the largest.
El Rancho Verde Apts303 Checkers Dr, San Jose 95133700 homes, 696 low-income · 2 bd: 556 · 3 bd: 144 · In service since 2000 · For families(408) 272-0356
Valley Palms Apts2155 Lanai Ave, San Jose 95122354 homes, 351 low-income · 1 bd: 24 · 2 bd: 330 · In service since 2002
Corde Terra Family Apts2600 Corde Terra Cir, San Jose 95111300 homes, 298 low-income · 1 bd: 115 · 2 bd: 157 · 3 bd: 28 · In service since 2007 · For families
Orchard Glen Apts3975 Seven Trees Blvd, San Jose 95111288 homes, 287 low-income · Studio: 60 · 1 bd: 173 · 2 bd: 55 · In service since 2006
Foxdale Apts1250 Foxdale Loop, San Jose 95122287 homes, 286 low-income · 1 bd: 28 · 2 bd: 29 · 3 bd: 170 · 4 bd: 60 · In service since 2007
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.
No down payment, repair or rent-help program on our list is for San Jose or Santa Clara County. The ones below are statewide in California: they work in San Jose the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for San Jose or Santa Clara County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for San Jose 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 San Jose?
The typical home value in San Jose is $1,233,200, 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 San Jose?
Typical rent in San Jose is $2,669 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 San Jose?
San Jose 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 San Jose?
The typical homeowner in San Jose pays $9,393 a year, according to the U.S. Census Bureau. That is 0.76% 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 San Jose?
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.
