Most Affordable ZIP Codes in San Jose-Sunnyvale-Santa Clara, CA (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 95113 | San Jose, CA | $637,885 | $3,575 | 4.37% | -3.6% |
| 2 | 95116 | San Jose, CA | $923,392 | $3,176 | 2.68% | 2.7% |
| 3 | 95122 | San Jose, CA | $972,653 | $3,169 | 2.54% | 2.5% |
| 4 | 95111 | San Jose, CA | $1,046,956 | $3,205 | 2.39% | 3.8% |
| 5 | 95020 | Gilroy, CA | $1,051,829 | $3,232 | 2.40% | 2.4% |
| 6 | 95127 | San Jose, CA | $1,089,427 | $3,456 | 2.47% | 2.6% |
| 7 | 95133 | San Jose, CA | $1,122,859 | $3,648 | 2.53% | 2.6% |
| 8 | 95121 | San Jose, CA | $1,235,417 | $3,426 | 2.16% | 4.3% |
| 9 | 95131 | San Jose, CA | $1,315,860 | $3,711 | 2.20% | 3.0% |
| 10 | 95139 | San Jose, CA | $1,317,068 | $3,861 | 2.29% | 5.0% |
| 11 | 95037 | Morgan Hill, CA | $1,332,353 | $3,893 | 2.28% | 3.3% |
| 12 | 95123 | San Jose, CA | $1,334,283 | $3,537 | 2.07% | 4.7% |
| 13 | 95136 | San Jose, CA | $1,335,199 | $3,527 | 2.06% | 4.2% |
| 14 | 95119 | San Jose, CA | $1,385,518 | $4,500 | 2.53% | 4.3% |
| 15 | 95035 | Milpitas, CA | $1,423,706 | $3,715 | 2.04% | 4.0% |
| 16 | 94089 | Sunnyvale, CA | $1,426,492 | $3,754 | 2.05% | 2.9% |
| 17 | 95054 | Santa Clara, CA | $1,467,063 | $4,180 | 2.22% | 3.0% |
| 18 | 95148 | San Jose, CA | $1,503,632 | $4,533 | 2.35% | 4.6% |
| 19 | 94085 | Sunnyvale, CA | $1,515,132 | $3,956 | 2.04% | 3.5% |
| 20 | 95050 | Santa Clara, CA | $1,574,828 | $3,698 | 1.83% | 4.2% |
| 21 | 95132 | San Jose, CA | $1,594,308 | $3,923 | 1.92% | 5.0% |
| 22 | 95118 | San Jose, CA | $1,614,334 | $4,501 | 2.17% | 4.8% |
| 23 | 95117 | San Jose, CA | $1,712,571 | $3,011 | 1.37% | 5.2% |
| 24 | 95135 | San Jose, CA | $1,725,208 | $4,407 | 1.99% | 5.2% |
| 25 | 95051 | Santa Clara, CA | $1,839,936 | $3,862 | 1.64% | 4.8% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in San Jose-Sunnyvale-Santa Clara, CA · Appreciation in San Jose-Sunnyvale-Santa Clara, CA
Or see the full San Jose-Sunnyvale-Santa Clara, CA metro profile.