ZIP Code 95138 — San Jose, CA Home Prices (2026)

The typical home in ZIP 95138 (San Jose, California) is worth about $1,763,000 at roughly $807 per square foot — 32% more expensive than the San Jose median and 500% more expensive than the typical U.S. home.

$1,763,000

Typical home value

$807

Price per sq ft

#6 of 29

San Jose ZIPs by value

+32%

vs San Jose median

How 95138 compares

ZIP 95138 is one of the pricier ZIP codes in San Jose: its typical home value of $1,763,000 ranks #6 of the 29 San Jose ZIP codes we track (the citywide range runs from $638,000 in 95113 to $2,566,000 in 95129). Per square foot it costs about $807, against $744 for San Jose as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 95138	$1,763,000	$807
San Jose, CA	$1,334,000	$744
California	$698,000	$455
United States	$294,000	$195

Home value by size in 95138

Using this ZIP’s rate of about $807 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$807,000
1,500 sq ft	$1,210,500
2,000 sq ft	$1,614,000
2,500 sq ft	$2,017,500
3,000 sq ft	$2,421,000

Salary needed to buy a home in ZIP 95138

To buy the typical $1,763,000 home in ZIP 95138 with 20% down, you need a household income of roughly $480,000 a year (about $11,190 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $570,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$88,200	$13,910/mo	$596,000/yr
10% (+PMI)	$176,300	$13,300/mo	$570,000/yr
20%	$352,600	$11,190/mo	$480,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 95138

At about $807 per square foot, here is roughly how much home different budgets get you in ZIP 95138:

Budget	Approx. size	What that looks like locally
$1.00M	1240 sq ft	below the local median — condos, smaller or older homes
$1.50M	1860 sq ft	around the typical home here
$2.00M	2480 sq ft	around the typical home here
$3.00M	3720 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 95138 home.

Estimate a specific home in 95138

The estimator below is pre-set to ZIP 95138 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All San Jose ZIP codes by home value

Where 95138 sits among San Jose’s 29 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	95129	$2,566,000	$1166
2	95120	$2,199,000	$920
3	95130	$2,075,000	$1386
4	95124	$1,898,000	$989
5	95125	$1,850,000	$946
6	95138 (this page)	$1,763,000	$807
7	95135	$1,725,000	$544
8	95117	$1,713,000	$769
9	95118	$1,614,000	$1013
10	95132	$1,594,000	$912
11	95148	$1,504,000	$862
12	95128	$1,431,000	$907
13	95119	$1,386,000	$768
14	95136	$1,335,000	$706
15	95123	$1,334,000	$731
16	95139	$1,317,000	$743
17	95131	$1,316,000	$740
18	95121	$1,235,000	$757
19	95002	$1,192,000	$627
20	95126	$1,175,000	$731
21	95133	$1,123,000	$660
22	95127	$1,089,000	$744
23	95111	$1,047,000	$618
24	95134	$1,038,000	$840
25	95112	$987,000	$608
26	95122	$973,000	$637
27	95116	$923,000	$670
28	95110	$822,000	$693
29	95113	$638,000	$629

ZIP 95138 home prices: frequently asked

What is the average home price in ZIP code 95138? +

The typical home in ZIP 95138 (San Jose, CA) is worth about $1,763,000 as of 2026. That is 32% more expensive than the San Jose median of $1,334,000 and 500% more expensive than the U.S. median of $294,000.

What is the price per square foot in 95138? +

About $807 per square foot in 95138, versus $744 across San Jose and $455 across California. At that rate a 1,500 sq ft home runs roughly $1,210,500 and a 2,500 sq ft home about $2,017,500.

What salary do you need to buy a house in ZIP 95138? +

For the typical $1,763,000 home in ZIP 95138, a household income of about $480,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $570,000; with 5% down about $596,000.

Is 95138 an expensive ZIP code? +

Within San Jose, 95138 ranks #6 of 29 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in San Jose. Nationally it is relatively expensive.

See the full San Jose home values page, all California cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.