ZIP 95020 vs ZIP 95046

This side-by-side compares ZIP 95020 (Gilroy, CA) and ZIP 95046 (San Martin, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95020 has a population of 57,349 at 142 people per square mile, while ZIP 95046 has 6,417 at 127 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 95020 reports a median household income of $137,117 against $158,550 in ZIP 95046, with per-capita income of $51,387 vs $64,979. The share of adults holding a bachelor's degree or higher is 28.5% in 95020 and 38.4% in 95046. Poverty rate reads 6.7% vs 8.6%, and unemployment 6.5% vs 3.5% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $1,059,100 in 95020 versus $1,477,900 in 95046, with median rent of $2,286 and $2,603 per month respectively. Homeownership rate is 63.8% vs 75.7%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.