ZIP Code 95020: Population, Income, Housing

State: CA

Total population: 67,181 Household income: $137,117 Rent: $2,286

Overview

Total population

67,181

Rent

$2,286

Year built

1987

Household income

$137,117

Per capita income

$51,387

Poverty rate

6.7%

Unemployment rate

N/A

Household size

3.3 persons

Rent over 30% of income

49.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

California

County

Santa Clara County

City

Gilroy

Total population

67,181

Adults over 25

43,587

Total households

19,984

Household size

3.3 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$137,117

Per capita income

$51,387

Poverty rate

6.7%

Unemployment rate

N/A

Rent over 30% of income

49.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$2,286

Year built

1987

Households that rent

36.2%

Households that own

63.8%

Rooms per home (all homes)

6.1

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

32.1%

Black

1.8%

Asian

Two or more races

39.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

57.7%

Not Hispanic or Latino

42.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

26,796 (86.8%)

Commute time to work

34 mins

Work from home

4,066 (13.2%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

37.2%

High school graduate or GED

21.6%

Some college or associate degree

12.7%

Bachelor’s degree or higher

28.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 95020 with: Santa Clara County, CA Gilroy, CA San Jose metro area, CA California United States

ZIP 95020

Total population67,181

Rent$2,286

Year built1987

Household income$137,117

Per capita income$51,387

Poverty rate6.7%

Unemployment rateN/A

Santa Clara County, CA

Total population1,902,047

Rent$2,857

Year built1975

Household income$164,281

Per capita income$80,312

Poverty rate7.1%

Unemployment rate3.9%

Gilroy, CA

Total population59,004

Rent$2,301

Year built1989

Household income$133,107

Per capita income$48,965

Poverty rate6.7%

Unemployment rate5.1%

San Jose Metro Area, CA

Total population1,969,337

Rent$2,840

Year built1976

Household income$162,111

Per capita income$79,109

Poverty rate7.1%

Unemployment rate4.2%

California State

Total population39,287,377

Rent$2,036

Year built1976

Household income$99,122

Per capita income$49,513

Poverty rate12%

Unemployment rate5.3%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP95020	CountySanta Clara, CA	CityGilroy, CA	Metro AreaSan Jose metro area, CA	StateCalifornia	CountryUnited States
Total population	67,181	1,902,047	59,004	1,969,337	39,287,377	334,922,499
Rent	$2,286	$2,857	$2,301	$2,840	$2,036	$1,413
Year built	1987	1975	1989	1976	1976	1980
Household income	$137,117	$164,281	$133,107	$162,111	$99,122	$80,734
Per capita income	$51,387	$80,312	$48,965	$79,109	$49,513	$44,673
Poverty rate	6.7%	7.1%	6.7%	7.1%	12%	12.5%
Unemployment rate	N/A	3.9%	5.1%	4.2%	5.3%	4%

View the full multi-level comparison →

Summary for 95020

Rent & Income

In 95020, the typical monthly rent is $2,286 and the typical household income is $137,117. Rent here is similar to Gilroy and higher than California, and household income is similar to Gilroy and higher than California. The estimated poverty rate is 6.7%, which is similar to the Gilroy rate and lower than the California rate.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 36.2% of households. About 49.3% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 28.5% of adults holding a bachelor’s degree or higher.

ZIP 95020 — Rent vs Household Income

ZIP 95020 — Poverty

How ZIP 95020 compares in California (613 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$2,286	404 / 613	from lower rent	$1,054 – $3,501
Household income	$137,117	102 / 613	from higher income	$35,378 – $250,001
Poverty rate	6.7%	109 / 613	from lower poverty	2.2% – 39.6%

Rankings are calculated among ZIP Codes in California with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 95020

Rent

When it comes to rent, ZIP Code 95020 ranks 404th out of 613 ZIP Codes in California. Statewide, values range from $1,054 in ZIP 92243 up to $3,501 in ZIP 90275.

Household income

Income-wise, this area is placed 102nd out of 613 ZIP Codes. Across California, figures vary from $35,378 in ZIP 90007 up to $250,001 in ZIP 95070.

Poverty rate

When it comes to poverty, ZIP Code 95020 places 109th out of 613 ZIP Codes. Throughout California, numbers span from 2.2% in ZIP 95120 up to 39.6% in ZIP 90007.

💰 Rent in ZIP Code 95020 (with Utilities)

Estimated Monthly Rent: $2,286 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 95020

Annual Household Income: $137,117

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 95020

Estimated Rate: 6.7%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 95020

In ZIP Code 95020, households that rent: 7,233 (36.2%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	7,233	36.2%
Owner-Occupied	12,751	63.8%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 95020

In ZIP Code 95020, cost-burdened renters (households spending over 30% of income on housing): 3,568 (49.3%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	3,568	49.3%
Other renter households	3,665	50.7%
Total renter households	7,233	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 95020

Less than High School: 16,197 people (37.2%)

Includes adults who did not complete high school.

High School Graduate or GED: 9,399 people (21.6%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 5,553 people (12.7%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 12,438 people (28.5%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 43,587

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.