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Verified Neighborhood Report

San Jose, CA

Location verified via US geocoding. Safety, Schools, and Noise scores are deterministically modeled for this exact place.

Report status

US location · verified

Neighborhood intelligence

Your San Jose relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for San Jose.

Median rent

$3,483/mo

HUD 2024

Median household income

$136,010

Census ACS 2022

Median home value

$1,149,600

Census ACS 2022

Safety score

75/100

FBI CDE

Schools

B+

Estimated

Weather

78°F (H 92° / L 64°)

Open-Meteo

Safety & Crime Index

75/100

FBI CDE

Above-average peace of mind — 22% above average

Above Average

Noise Level

38 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 78°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 56 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how San Jose stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in San Jose CA

San Jose, CA is expensive to rent. Typical rent is about $3,483/month. To rent comfortably without stretching, you want about $125,388 in annual household income (3× monthly rent × 12).

San Jose has about 1,001,176 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is San Jose CA Safe?

San Jose CA scores 75/100 on safety (above average). Crime is about 22% above the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 122 (100 = avg); violent crime index 132; property crime index 111. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in San Jose CA

Campus scores in the report: San Jose Elementary (elementary) at 7/10; San Jose Middle School (middle) at 7/10; San Jose High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in San Jose CA

Typical rent in San Jose is about $3,483/month (very expensive). At $3,483/month for a typical unit, you need about $125,388+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $1,149,600.

Median household income is $136,010, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($136,010) clears the $125,388 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in San Jose CA

Average temperature is about 78°F (highs near 92°F, lows near 64°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to San Jose CA?

Who tends to thrive in San Jose: (1) Households that want quieter streets (safety sits at 75/100) (2) Dual-income households (at $3,483/month, the rent math works much better with two salaries) (3) People who genuinely love heat and do not mind living indoors June through September (highs near 92°F) (4) Tech and finance workers (the job market is real and local pay near $136,010 helps carry housing costs)

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $3,483/month) (2) People who need outdoor time year-round for their mental health (summers lock you inside for 3–4 months; highs near 92°F) (3) Anyone stretching past 40% of take-home on housing at $3,483/month

Income sniff test: clear about $125,388 household income for $3,483/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

San Jose CA is not worth it for most movers right now. The data says the risks dominate.

The strongest upside is safety at 75/100 (above what many metros post).

The biggest risk is rent at $3,483/month. Budget from a $125,388+ household income or the ratio gets tight.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for San Jose.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$7,708

Mortgage + tax + insurance + HOA

Annual property tax

$16,669

Annual est. $5,580

Est. monthly utilities

$1,802

Climate-adjusted electric, gas & water

Median home price

$1,149,600

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$1.0M
2022
$1.1M
2023
$1.1M
2024
$1.1M
2025
$1.1M
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$4,225/mo vs buying
$3,483HUD 2024
Rent
$7,708
Buy

Mortgage

$5,813

Property tax

$1,389

Insurance

$411

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$15,254/yr

2024

1.37%

$15,712/yr

2025

1.41%

$16,183/yr

2026

1.45%

$16,669/yr

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$4,927/yr

elevated exposure
Wind hazard index56 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 78°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $4,927.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from San Jose to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo