ZIP 95138 vs ZIP 95013

This side-by-side compares ZIP 95138 (San Jose, CA) and ZIP 95013 (Coyote, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 95138 has a population of 18,889 at 280 people per square mile, while ZIP 95013 has 80 at 21 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 95138 reports a median household income of $204,476 against $173,646 in ZIP 95013, with per-capita income of $85,919 vs $63,533. The share of adults holding a bachelor's degree or higher is 55.2% in 95138 and 21.1% in 95013. Poverty rate reads 5.8% vs 0.0%, and unemployment 4.6% vs 35.0% — 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 $1,497,200 in 95138 versus — in 95013, with median rent of $2,780 and — per month respectively. Homeownership rate is 80.9% vs 81.0%. 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.