How much is a home worth in ZIP code 95131?

The typical home in 95131 is worth $1,375,244, based on the Zillow Home Value Index.

Are home values rising in 95131?

Home values in 95131 are down 4.5% over the past year, and up 3.7% a year over five years.

What is the typical rent in 95131?

A typical home in 95131 rents for about $3,647 a month, a gross rental yield of 3.2%.

What is the property tax rate in 95131?

The effective property tax rate in 95131 is 0.8% — roughly $10,413 a year on a typical home.

ZIP code 95131 has a population of 31,179 and a median household income of $170,255.

HousingHandbookReference data

…

U.S. ZIP Code · CA95131

Santa Clara County · San Jose-Sunnyvale-Santa Clara, CA

Typical home value

$1,375,244^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -4.5%
5-year / yr: +3.7%
10-year / yr: +5.3%

Relative price

vs U.S.: +384.1%
vs metro: -16.8%
vs state: +96.3%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95131 is worth $1,375,244 — 16.8% below the San Jose-Sunnyvale-Santa Clara, CA median. Over the past year, values have fallen 4.5%. Homes here rent for a typical $3,647 a month — a 3.2% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $3,647^[2]
Gross yield: 3.2%^[2]
Cap rate: 1.9%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.8%^[3]
Typical annual tax: $10,413^[3]

#Climate risk

FEMA National Risk Index ratings for Santa Clara County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Very High^[4]
Riverine flood: Very High
Coastal flood: Relatively High
Wildfire: Relatively Moderate
Drought: Relatively High
Heat wave: Relatively High
Hurricane: Not Applicable
Tornado: Relatively Low
Earthquake: Very High
Winter weather: Very Low

#Who lives here

Population: 31,179^[3]
Median household income: $170,255^[3]

#Migration

Household moves in and out of Santa Clara County over a year, from IRS tax-return data.

Net migration: -9,835^[5]
Moved in: 43,577
Moved out: 53,412

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 7
Elementary: 3
Middle: 0
High: 3

Santa Clara County Special Education
Other · Grades K–12 · Santa Clara County Office of Education
850 students
Orchard Elementary
Elementary · Grades K–8 · Orchard Elementary
760 students
Vinci Park Elementary
Elementary · Grades K–5 · Berryessa Union Elementary
561 students
Brooktree Elementary
Elementary · Grades K–5 · Berryessa Union Elementary
379 students
Opportunity Youth Academy
High · Grades 9–12 · Santa Clara County Office of Education
376 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield3.2%

Net yield (after ~40% expenses)1.9%

Annual rent$43,769

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$6,954

Loan principal$1,100,195

Down payment$275,049

Total interest paid$1,403,238

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio2.46

Monthly cost to own$8,971

Monthly rent$3,647

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 37th percentile^[1]
Rental yield: 75th percentile^[2]
Property tax: 80th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95131?: The typical home in 95131 is worth $1,375,244, based on the Zillow Home Value Index.
Are home values rising in 95131?: Home values in 95131 are down 4.5% over the past year, and up 3.7% a year over five years.
What is the typical rent in 95131?: A typical home in 95131 rents for about $3,647 a month, a gross rental yield of 3.2%.
What is the property tax rate in 95131?: The effective property tax rate in 95131 is 0.8% — roughly $10,413 a year on a typical home.
Who lives in 95131?: ZIP code 95131 has a population of 31,179 and a median household income of $170,255.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

95139 vs 95131 →
San Jose, CA
Typical home
$1,368,797
Gross yield
—
95037 vs 95131 →
San Jose, CA
Typical home
$1,358,139
Gross yield
3.1%
95123
San Jose, CA
Typical home
$1,396,786
Gross yield
2.8%
95136
San Jose, CA
Typical home
$1,402,631
Gross yield
2.9%
95119
San Jose, CA
Typical home
$1,446,299
Gross yield
—
95121
San Jose, CA
Typical home
$1,273,743
Gross yield
3.2%

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#Jump to section

U.S. ZIP Code · CA95131

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