Safe Rate Local
Learn about the people, housing, costs and businesses in San Jose, California
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in San Jose.
True all-in cost — P&I, taxes, insurance & utilities for homes in San Jose.
Find and compare lenders active near San Jose.
FEMA flood zones and flood insurance estimates for San Jose.
Seismic risk and earthquake insurance estimates for San Jose.
Wildfire exposure and insurance estimates for San Jose.
As of today, the 30-year fixed mortgage rate for San Jose is approximately 6.462% (6.497% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for San JoseThe median home value in San Jose is $1.2M. The median monthly rent is $2,771. Annual property taxes average $8k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in San Jose have increased 9.1% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,862/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $123k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in San Jose is $147k/year.
Calculate your buying powerThe largest employment sectors in San Jose are public administration (20%) and healthcare (19%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.