ZIP 95132 vs ZIP 95127

This side-by-side compares ZIP 95132 (San Jose, CA) and ZIP 95127 (San Jose, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95132 has a population of 40,299 at 303 people per square mile, while ZIP 95127 has 61,325 at 1,822 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 95132 reports a median household income of $178,611 against $128,786 in ZIP 95127, with per-capita income of $64,933 vs $45,931. The share of adults holding a bachelor's degree or higher is 50.4% in 95132 and 28.9% in 95127. Poverty rate reads 7.7% vs 8.3%, and unemployment 6.1% vs 6.4% — 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 $1,349,100 in 95132 versus $1,035,800 in 95127, with median rent of $3,128 and $2,641 per month respectively. Homeownership rate is 74.0% vs 65.3%. 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.