San Jose, CA · standard
ZIP Code 95123
Santa Clara County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 62,228
- 2,900/sq mi High-density area
- $144,276
- Median income Above-median income area
- $1,166,800
- Median home value Above-median home value
- 45.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
San Jose pairs a top-decile household income with top-decile home values, in a suburban-density, homeowner-dominated and unusually populous area.
- Top 5%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 2,900
- people per sq mi
- 61%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95123 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 95123 (San Jose, CA) rose +5.5% from 2023 to 2024. The all-transactions index moved from 299.6 in 2023 to 316.2 in 2024 (2000 = 100).
ZIP code 95123 is a densely settled ZIP (a standard USPS delivery area) in San Jose, Santa Clara County, California, with 62,228 residents across 21.5 square miles, a density of 2,900 people per square mile, in the Los Angeles time zone.
ZIP 95123 skews affluent, with a median household income of $144,276 (42% above the average California ZIP), while per-capita income is $63,071. The poverty rate is 5.9%, with unemployment at 4.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,166,800 (51% above the average California ZIP), while 60.7% of occupied homes are owner-occupied and median rent is $2,976.
A solid share of residents have a four-year degree: 45.8% of adults hold a bachelor's degree or higher, the median age is 38, and the average commute is 28 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Santa Clara County, so 95123 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 95123
Top 5 sectors by establishment count in San Jose, CA
Which industries have the most business establishments in ZIP 95123.
- Retail trade
Retail trade
173 establishments
- Health care and social assistance
Health care and social assistance
159 establishments
- Accommodation and food services
Accommodation and food services
144 establishments
- Other services (except public administration)
Other services (except public administration)
118 establishments
- Construction
Construction
112 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 95123, San Jose, 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
62,228
Population
21.5
Area (sq mi)
2,900
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95123?
38.0
Median Age
49.0%
Male
51.0%
Female
31.6%
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?
$144,276
Median Household Income
+42% vs state ZIP avg
$63,071
Per Capita Income
5.9%
Poverty Rate
4.4%
Unemployment Rate
28.4 min
Mean Commute Time
How ZIP 95123 ranks nationally
San Jose, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$144,276 Top 5% higher than 95% 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
25,037housing units
25,037
Total Housing Units
24,377
Occupied Units
660
Vacant Units
2.84
Avg Household Size
Occupancy Type
$1,166,800
Median Home Value
+51% vs state ZIP avg
$2,976
Median Rent
1976
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
+5.5%
YoY Change (2024)
316
HPI Index (2000 = 100)
+216%
Total Change Since 2000
Home values in ZIP 95123 have increased 5.5% over the past year (2024). Since 2000, this ZIP has seen +216% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.1% | 230 |
| 2021 | +9.3% | 252 |
| 2022 | +12.8% | 284 |
| 2023 | +5.5% | 300 |
| 2024 | +5.5% | 316 |
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 1,091 business establishments in ZIP 95123, employing approximately 11,348 people with a combined annual payroll of $472,379,000.
1,091
Businesses
11,348
Employees
$472.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 173 | 15.9% |
| Health care and social assistance | 159 | 14.6% |
| Accommodation and food services | 144 | 13.2% |
| Other services (except public administration) | 118 | 10.8% |
| Construction | 112 | 10.3% |
| Professional, scientific, and technical services | 99 | 9.1% |
| Finance and insurance | 61 | 5.6% |
| Real estate and rental and leasing | 60 | 5.5% |
| Administrative and support and waste management and remediation services | 53 | 4.9% |
| Educational services | 26 | 2.4% |
| Transportation and warehousing | 24 | 2.2% |
| Information | 19 | 1.7% |
| Wholesale trade | 15 | 1.4% |
| Arts, entertainment, and recreation | 13 | 1.2% |
| Manufacturing | 10 | 0.9% |
| Management of companies and enterprises | 3 | 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 95123 vs 95136 →
ZIP 95123 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95123
San Jose (95123)
62,228 residents
- 95111
San Jose (95111)
58,466 residents
- 95122
San Jose (95122)
56,545 residents
- 95124
San Jose (95124)
47,082 residents
- 95136
San Jose (95136)
42,989 residents
- 95121
San Jose (95121)
37,469 residents
- 95120
San Jose (95120)
37,457 residents
- 95118
San Jose (95118)
31,932 residents
- 95138 18,889
San Jose (95138)
18,889 residents
What this shows Among its immediate neighbors, ZIP 95123 ranks the most populous - useful context the national average alone can't give.
ZIP 95123 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95120
San Jose (95120)
$250,000 median income
- 95138
San Jose (95138)
$204,476 median income
- 95124
San Jose (95124)
$185,926 median income
- 95139
San Jose (95139)
$178,790 median income
- 95119
San Jose (95119)
$174,375 median income
- 95118
San Jose (95118)
$152,682 median income
- 95121
San Jose (95121)
$150,605 median income
- 95123
San Jose (95123)
$144,276 median income
- 95136
San Jose (95136)
$142,433 median income
What this shows By household income, ZIP 95123 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95136 | San Jose, CA | 42,989 | 2.1 mi |
| 95111 | San Jose, CA | 58,466 | 2.7 mi |
| 95119 | San Jose, CA | 9,970 | 2.8 mi |
| 95118 | San Jose, CA | 31,932 | 3.2 mi |
| 95120 | San Jose, CA | 37,457 | 4.4 mi |
| 95121 | San Jose, CA | 37,469 | 4.3 mi |
| 95122 | San Jose, CA | 56,545 | 5.8 mi |
| 95139 | San Jose, CA | 6,748 | 4.0 mi |
| 95138 | San Jose, CA | 18,889 | 5.5 mi |
| 95124 | San Jose, CA | 47,082 | 5.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95123, 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 (62,228 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 95123 in?
ZIP code 95123 (San Jose) 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 95123?
ZIP code 95123 in San Jose, CA has a population of 62,228 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95123?
The median household income in ZIP 95123 is $144,276, which is 89% above the national average of $76,288.
What is the average home value in ZIP 95123?
The median home value in ZIP 95123 is $1,166,800, which is 319% above the national average of $278,155.
What is the demographic makeup of ZIP 95123?
The largest racial group in ZIP 95123 is White at 35.2%. Hispanic or Latino residents make up 29.4% of the population.
How many businesses are in ZIP code 95123?
ZIP code 95123 has 1,091 business establishments employing approximately 11,348 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95123?
The top industries by establishment count in ZIP 95123 are: Retail trade (173), Health care and social assistance (159), Accommodation and food services (144). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 95123?
According to the FHFA House Price Index, home values in ZIP 95123 increased by 5.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 216%. 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 95123?
In ZIP code 95123, 60.2% of residents aged 25+ have a high school diploma or higher, and 45.8% 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 95123?
The mean commute time for workers in ZIP code 95123 is 28.4 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 95123?
In ZIP code 95123, approximately 60.7% of occupied housing units are owner-occupied and 39.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95123?
The poverty rate in ZIP code 95123 is 5.9% 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 95123's numbers, next.
- See how ZIP 95123 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where San Jose, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.