Gilroy, CA · standard
ZIP Code 95020
Santa Clara County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 57,349
- 142/sq mi High-density area
- $137,117
- Median income Above-median income area
- $1,059,100
- Median home value Above-median home value
- 28.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Gilroy pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated and unusually populous area.
- Top 6%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 142
- people per sq mi
- 64%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95020 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95020 (Gilroy, CA) rose +3.3% from 2023 to 2024. The all-transactions index moved from 247.1 in 2023 to 255.2 in 2024 (2000 = 100).
ZIP code 95020 is a densely settled ZIP (a standard USPS delivery area) in Gilroy, Santa Clara County, California, with 57,349 residents across 404.2 square miles, a density of 142 people per square mile, in the Los Angeles time zone.
ZIP 95020 skews affluent, with a median household income of $137,117 (35% above the average California ZIP), while per-capita income is $51,387. The poverty rate is 6.7%, with unemployment at 6.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,059,100 (37% above the average California ZIP), while 63.8% of occupied homes are owner-occupied and median rent is $2,286.
Educational attainment sits below the national norm: 28.5% of adults hold a bachelor's degree or higher, the median age is 37.6, and the average commute is 34 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Santa Clara County, so 95020 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95020
Top 5 sectors by establishment count in Gilroy, CA
Which industries have the most business establishments in ZIP 95020.
- Retail trade
Retail trade
268 establishments
- Construction
Construction
229 establishments
- Health care and social assistance
Health care and social assistance
173 establishments
- Accommodation and food services
Accommodation and food services
167 establishments
- Other services (except public administration)
Other services (except public administration)
143 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95020, Gilroy, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
57,349
Population
404.2
Area (sq mi)
142
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95020?
37.6
Median Age
50.8%
Male
49.2%
Female
23.9%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$137,117
Median Household Income
+35% vs state ZIP avg
$51,387
Per Capita Income
6.7%
Poverty Rate
6.5%
Unemployment Rate
33.7 min
Mean Commute Time
How ZIP 95020 ranks nationally
Gilroy, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$137,117 Top 6% higher than 94% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
20,822housing units
20,822
Total Housing Units
19,984
Occupied Units
838
Vacant Units
3.32
Avg Household Size
Occupancy Type
$1,059,100
Median Home Value
+37% vs state ZIP avg
$2,286
Median Rent
1987
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+3.3%
YoY Change (2024)
255
HPI Index (2000 = 100)
+155%
Total Change Since 2000
Home values in ZIP 95020 have increased 3.3% over the past year (2024). Since 2000, this ZIP has seen +155% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.6% | 190 |
| 2021 | +13.2% | 215 |
| 2022 | +16.1% | 250 |
| 2023 | -1.1% | 247 |
| 2024 | +3.3% | 255 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,540 business establishments in ZIP 95020, employing approximately 19,193 people with a combined annual payroll of $979,640,000.
1,540
Businesses
19,193
Employees
$979.6M
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 268 | 17.4% |
| Construction | 229 | 14.9% |
| Health care and social assistance | 173 | 11.2% |
| Accommodation and food services | 167 | 10.8% |
| Other services (except public administration) | 143 | 9.3% |
| Professional, scientific, and technical services | 118 | 7.7% |
| Administrative and support and waste management and remediation services | 83 | 5.4% |
| Manufacturing | 73 | 4.7% |
| Real estate and rental and leasing | 69 | 4.5% |
| Wholesale trade | 59 | 3.8% |
| Transportation and warehousing | 47 | 3.0% |
| Finance and insurance | 40 | 2.6% |
| Information | 23 | 1.5% |
| Arts, entertainment, and recreation | 16 | 1.0% |
| Educational services | 14 | 0.9% |
| Agriculture, forestry, fishing and hunting | 8 | 0.5% |
| Utilities | 4 | 0.3% |
| Industries not classified | 4 | 0.3% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95020 vs 95046 →
ZIP 95020 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95020
Gilroy (95020)
57,349 residents
- 95046 6,417
San Martin (95046)
6,417 residents
- 95004 3,918
Aromas (95004)
3,918 residents
What this shows Among its immediate neighbors, ZIP 95020 ranks the most populous - useful context the national average alone can't give.
ZIP 95020 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95046
San Martin (95046)
$158,550 median income
- 95020
Gilroy (95020)
$137,117 median income
- 95004
Aromas (95004)
$130,744 median income
What this shows By household income, ZIP 95020 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95020, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (57,349 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Santa Clara County
Related Areas
Frequently Asked Questions
What county is ZIP code 95020 in?
ZIP code 95020 (Gilroy) is located in Santa Clara County, California. Santa Clara County contains multiple ZIP codes, see the full list at /counties/santa-clara-ca.
What is the population of ZIP code 95020?
ZIP code 95020 in Gilroy, CA has a population of 57,349 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95020?
The median household income in ZIP 95020 is $137,117, which is 80% above the national average of $76,288.
What is the average home value in ZIP 95020?
The median home value in ZIP 95020 is $1,059,100, which is 281% above the national average of $278,155.
What is the demographic makeup of ZIP 95020?
The largest racial group in ZIP 95020 is Two or More Ethnicities at 39.8%. Hispanic or Latino residents make up 57.7% of the population.
How many businesses are in ZIP code 95020?
ZIP code 95020 has 1,540 business establishments employing approximately 19,193 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95020?
The top industries by establishment count in ZIP 95020 are: Retail trade (268), Construction (229), Health care and social assistance (173). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 95020?
According to the FHFA House Price Index, home values in ZIP 95020 increased by 3.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 155%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95020?
In ZIP code 95020, 50.1% of residents aged 25+ have a high school diploma or higher, and 28.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95020?
The mean commute time for workers in ZIP code 95020 is 33.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95020?
In ZIP code 95020, approximately 63.8% of occupied housing units are owner-occupied and 36.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95020?
The poverty rate in ZIP code 95020 is 6.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95020's numbers, next.
- See how ZIP 95020 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Gilroy, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.