San Jose, CA · standard
ZIP Code 95131
Santa Clara County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 28,565
- 1,891/sq mi High-density area
- $170,255
- Median income Above-median income area
- $1,164,800
- Median home value Above-median home value
- 55.2%
- 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 low-density, homeowner-dominated area.
- Top 2%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 1,891
- people per sq mi
- 62%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95131 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 95131 (San Jose, CA) fell -3.2% from 2023 to 2024. The all-transactions index moved from 279.5 in 2023 to 270.6 in 2024 (2000 = 100).
ZIP code 95131 is a densely settled ZIP (a standard USPS delivery area) in San Jose, Santa Clara County, California, with 28,565 residents across 15.1 square miles, a density of 1,891 people per square mile, in the Los Angeles time zone.
ZIP 95131 skews affluent, with a median household income of $170,255 (67% above the average California ZIP), while per-capita income is $68,127. The poverty rate is 8.0%, with unemployment at 6.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,164,800 (51% above the average California ZIP), while 61.8% of occupied homes are owner-occupied and median rent is $3,269.
This is a highly-educated ZIP: 55.2% of adults hold a bachelor's degree or higher, the median age is 37.7, and the average commute is 27 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Santa Clara County, so 95131 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 95131
Top 5 sectors by establishment count in San Jose, CA
Which industries have the most business establishments in ZIP 95131.
- Professional, scientific, and technical services
Professional, scientific, and technical services
277 establishments
- Wholesale trade
Wholesale trade
242 establishments
- Manufacturing
Manufacturing
203 establishments
- Construction
Construction
123 establishments
- Accommodation and food services
Accommodation and food services
113 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 95131, 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
28,565
Population
15.1
Area (sq mi)
1,891
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95131?
37.7
Median Age
53.1%
Male
46.9%
Female
55.6%
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?
$170,255
Median Household Income
+67% vs state ZIP avg
$68,127
Per Capita Income
8.0%
Poverty Rate
6.1%
Unemployment Rate
26.7 min
Mean Commute Time
How ZIP 95131 ranks among California ZIPs
San Jose, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$170,255 Top 8% higher than 92% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California 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
10,308housing units
10,308
Total Housing Units
9,976
Occupied Units
332
Vacant Units
3.11
Avg Household Size
Occupancy Type
$1,164,800
Median Home Value
+51% vs state ZIP avg
$3,269
Median Rent
1986
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
-3.2%
YoY Change (2024)
271
HPI Index (2000 = 100)
+171%
Total Change Since 2000
Home values in ZIP 95131 have decreased 3.2% over the past year (2024). Since 2000, this ZIP has seen +171% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -1.2% | 229 |
| 2021 | -1.6% | 225 |
| 2022 | +8.8% | 245 |
| 2023 | +14.1% | 280 |
| 2024 | -3.2% | 271 |
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 1,587 business establishments in ZIP 95131, employing approximately 53,034 people with a combined annual payroll of $6,129,047,000.
1,587
Businesses
53,034
Employees
$6.1B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 277 | 17.4% |
| Wholesale trade | 242 | 15.3% |
| Manufacturing | 203 | 12.8% |
| Construction | 123 | 7.8% |
| Accommodation and food services | 113 | 7.1% |
| Retail trade | 84 | 5.3% |
| Administrative and support and waste management and remediation services | 84 | 5.3% |
| Information | 81 | 5.1% |
| Health care and social assistance | 80 | 5.0% |
| Real estate and rental and leasing | 75 | 4.7% |
| Other services (except public administration) | 67 | 4.2% |
| Finance and insurance | 62 | 3.9% |
| Transportation and warehousing | 51 | 3.2% |
| Educational services | 17 | 1.1% |
| Arts, entertainment, and recreation | 16 | 1.0% |
| Management of companies and enterprises | 11 | 0.7% |
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 95131 vs 95133 →
ZIP 95131 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95035
Milpitas (95035)
66,943 residents
- 95112
San Jose (95112)
55,927 residents
- 95116
San Jose (95116)
51,496 residents
- 95126
San Jose (95126)
31,049 residents
- 95131
San Jose (95131)
28,565 residents
- 95133 25,401
San Jose (95133)
25,401 residents
- 95054 23,364
Santa Clara (95054)
23,364 residents
- 95110 18,730
San Jose (95110)
18,730 residents
- 95134 15,268
San Jose (95134)
15,268 residents
What this shows Among its immediate neighbors, ZIP 95131 ranks #5 by population - useful context the national average alone can't give.
ZIP 95131 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95054
Santa Clara (95054)
$207,895 median income
- 95134
San Jose (95134)
$203,649 median income
- 95035
Milpitas (95035)
$178,654 median income
- 95131
San Jose (95131)
$170,255 median income
- 95113
San Jose (95113)
$151,685 median income
- 95133
San Jose (95133)
$142,170 median income
- 95110
San Jose (95110)
$131,491 median income
- 95126
San Jose (95126)
$128,983 median income
- 95112
San Jose (95112)
$89,103 median income
What this shows By household income, ZIP 95131 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95133 | San Jose, CA | 25,401 | 2.3 mi |
| 95110 | San Jose, CA | 18,730 | 2.9 mi |
| 95112 | San Jose, CA | 55,927 | 3.0 mi |
| 95113 | San Jose, CA | 893 | 3.7 mi |
| 95054 | Santa Clara, CA | 23,364 | 3.7 mi |
| 95053 | Santa Clara, CA | 2,206 | 3.4 mi |
| 95126 | San Jose, CA | 31,049 | 4.3 mi |
| 95035 | Milpitas, CA | 66,943 | 4.1 mi |
| 95116 | San Jose, CA | 51,496 | 3.5 mi |
| 95134 | San Jose, CA | 15,268 | 3.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95131, 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 (28,565 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 95131 in?
ZIP code 95131 (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 95131?
ZIP code 95131 in San Jose, CA has a population of 28,565 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95131?
The median household income in ZIP 95131 is $170,255, which is 123% above the national average of $76,288.
What is the average home value in ZIP 95131?
The median home value in ZIP 95131 is $1,164,800, which is 319% above the national average of $278,155.
What is the demographic makeup of ZIP 95131?
The largest racial group in ZIP 95131 is Asian at 69.3%. Hispanic or Latino residents make up 15.9% of the population.
How many businesses are in ZIP code 95131?
ZIP code 95131 has 1,587 business establishments employing approximately 53,034 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95131?
The top industries by establishment count in ZIP 95131 are: Professional, scientific, and technical services (277), Wholesale trade (242), Manufacturing (203). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 95131?
According to the FHFA House Price Index, home values in ZIP 95131 decreased by 3.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 171%. 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 95131?
In ZIP code 95131, 69.7% of residents aged 25+ have a high school diploma or higher, and 55.2% 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 95131?
The mean commute time for workers in ZIP code 95131 is 26.7 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 95131?
In ZIP code 95131, approximately 61.8% of occupied housing units are owner-occupied and 38.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95131?
The poverty rate in ZIP code 95131 is 8.0% 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 95131's numbers, next.
- See how ZIP 95131 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.