The median home in San Jose, California is valued at $1,401,449, down 2.8% year over year. Typical monthly rent is $3,219, producing a price-to-rent ratio of 36.3x — well above the national average of 18x. San Jose is part of the San Jose-Sunnyvale-Santa Clara, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,401,449
-2.8%
Rent$3,219/mo
AFFORDABILITYRenting $4,847/mo cheaper ($3,219 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for San Jose.
$280,290 on $1,401,449
Out of reach — 129.1% of income
Need $345,686/yr to afford.
PITI$8,066
P/I129.1%
Afford$304K
Gap-$1097K
P&I $7,086Tax $829Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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Full San Jose-Sunnyvale-Santa Clara, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Jose-Sunnyvale-Santa Clara, CA metro.
View San Jose-Sunnyvale-Santa Clara, CA metro →