ZIP 95120 vs ZIP 95123

This side-by-side compares ZIP 95120 (San Jose, CA) and ZIP 95123 (San Jose, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95120 has a population of 37,457 at 364 people per square mile, while ZIP 95123 has 62,228 at 2,900 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 95120 reports a median household income of $250,001 against $144,276 in ZIP 95123, with per-capita income of $112,522 vs $63,071. The share of adults holding a bachelor's degree or higher is 75.2% in 95120 and 45.8% in 95123. Poverty rate reads 2.2% vs 5.9%, and unemployment 3.6% vs 4.4% — 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 $2,000,001 in 95120 versus $1,166,800 in 95123, with median rent of $3,501 and $2,976 per month respectively. Homeownership rate is 89.1% vs 60.7%. 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.