San Jose, CA

ZIP code 95138 is assigned to San Jose, CA, and falls within Santa Clara County. Like every US postal code, it began as a mail-routing device rather than a geographic boundary — the US Postal Service groups delivery routes under a single code so carriers and sorting equipment can process mail efficiently. Today it also serves as a practical shorthand for the area itself: roughly 19,513 people live inside it.

At 749 residents per square mile spread over 26.036 square miles, 95138 reads as a small-town area. It is a mid-sized postal code by population, and density shapes almost everything else on this page — how people get to work, whether they own or rent, and what housing costs.

Household earnings here sit well above the national picture. The median household income of $194,300 places 95138 in the upper reaches of American postal codes, ahead of 99% of them. The US median for comparison is $70,109. Bear in mind that median income describes the midpoint household, not the average — it is not pulled upward by a handful of very high earners the way a mean would be.

Housing in 95138 costs far above the national median. A typical home is valued at $1,355,000 against a US median of $207,500, and median gross rent runs $2,728 a month. Ownership dominates: 82.2% of occupied homes are owner-occupied, which usually signals an established residential area with relatively low turnover.

The building stock is dominated by detached single-family houses, which account for 77.4% of housing units here. The median construction year is 1995, making the housing here from the later twentieth century. At 1.7%, vacancy is low — housing here is tightly held.

The population skews broadly in line with the national age profile, with a median age of 38.8 against 42 nationally. Households are relatively large at 3.46 people on average, with 87.6% classified as family households.

Getting to work takes 34.3 minutes on average one way. The dominant mode is drove alone at 68.5% of workers, while 17.0% work from home. Commute patterns are one of the better proxies for how a place actually functions day to day.

Beyond addressing mail, 95138 does a lot of quiet administrative work. Retailers use it to calculate shipping and sales tax at checkout. Insurers use it to set premiums, since risk profiles vary geographically. Employers and marketers use it to define service areas. Government agencies use it to route benefits and organise reporting. If you have ever been asked for a postal code by a form that clearly does not intend to send you anything, this is why.

For anyone weighing a move, 95138 offers a compact profile of San Jose: 19,513 residents, a median household income of $194,300, 53.4% of adults holding a bachelor's degree or higher, and an unemployment rate of 3.4%. A handful of figures like these answer more relocation questions than most neighbourhood guides do.

One caution worth repeating: a postal code is not a neighbourhood. 95138 may cover parts of several distinct areas, and a single neighbourhood in San Jose may be split across more than one code. Boundaries also shift as USPS adjusts delivery routes. Treat the figures here as describing a delivery area, which is what they actually measure.