HomeCaliforniaSanta Clara CountySan Jose city
San Jose city, California: commercial real estate data.
San Jose city is a Census city of 990,138 people across 177.94 square miles of land, in Santa Clara County. Median household income is $146,427, 55.8 percent of occupied homes are owned, and the SBA record carries 842 7(a) approvals to borrowers here worth $527.0 m.
83 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
San Jose
What San Jose is
- Census place typecity
- Land area177.94 sq mi
- Water area3.12 sq mi
- Population per square mile of land5,564
- County holding the largest share of its areaSanta Clara County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Jose
How many people live in San Jose
- Population990,138
- Median age38.2
- Population under 18202,568
- Share under 1820.5 percent
- Population 65 and over143,836
- Share 65 and over14.5 percent
- Households328,550
- Family households233,870
- Share of households that are families71.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Jose
Income and work in San Jose
- Median household income$146,427
- Per capita income$65,945
- Civilian labor force550,130
- Employed522,283
- Unemployed27,847
- Unemployment rate5.1 percent
- Adults 25 and over697,587
- Adults 25 and over with a high school diploma or higher85.4 percent
- Adults 25 and over with a bachelor degree or higher47.3 percent
- Adults 25 and over with a graduate degree20.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Jose
Housing in San Jose
- Housing units345,066
- Occupied units328,550
- Vacant units16,516
- Vacancy rate4.8 percent
- Owner occupied183,331
- Renter occupied145,219
- Ownership rate55.8 percent
- Median owner-occupied home value$1,233,200
- Median gross rent, monthly$2,669
- Annual rent as a share of median income21.9 percent
- Single family units215,427
- Share single family62.4 percent
- Units in buildings of two or more117,625
- Share in buildings of two or more34.1 percent
- Mobile homes11,707
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Jose
How San Jose gets to work
- Workers 16 and over who commute401,974
- Commuting under 15 minutes64,555
- Share commuting under 15 minutes16.1 percent
- Commuting 30 minutes or more161,250
- Share commuting 30 minutes or more40.1 percent
- Drove alone62.9 percent
- Carpooled10.7 percent
- Public transport2.4 percent
- Walked1.8 percent
- Worked from home20.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Jose
SBA loans in San Jose (7(a))
- Approvals842
- Gross approval$527,015,900
- Average approval$625,910
- Median approval$250,000
- Ninetieth percentile approval$1,717,000
- Largest approval$5,000,000
- Jobs supported9,452
- Jobs per approval11.2
- Loans with a final outcome155
- Paid in full147
- Charged off8
- Charge-off rate over resolved loans5.2 percent
- Median term120 months
- Share on real estate terms of 20 years or more17.7 percent
- Share to franchises8.6 percent
- Distinct lenders103
- Distinct industries by NAICS224
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Jose
SBA loans in San Jose (504)
- Approvals483
- Gross approval$535,270,000
- Average approval$1,108,219
- Median approval$759,000
- Largest approval$5,500,000
- Jobs supported5,342
- Loans with a final outcome155
- Charged off1
- Charge-off rate over resolved loans0.6 percent
- Median term240 months
- Distinct CDCs14
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Jose
Flood risk in San Jose
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 7
- NFIP community number060349
- Currently effective map date02/19/14
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Santa Clara County, not San Jose
Santa Clara County context, not San Jose figures
These are Santa Clara County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as San Jose measurements.
- Establishments in Santa Clara County49,154
- Employment at those establishments, Santa Clara County1,171,397
- Covered employment, Santa Clara County1,116,581
- Average annual pay, Santa Clara County$197,043
- Average weekly wage, Santa Clara County$3,789
- Housing units permitted, Santa Clara County3,834
- Of those, single family, Santa Clara County1,926
- County product, 2024, Santa Clara County$438,483,301,000
- County product change over the prior year, Santa Clara County8.4 percent
- Average income of an arriving household, Santa Clara County$183,973
Every figure in this section is published for Santa Clara County as a whole and is not a measurement of San Jose. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
San Jose questions, answered from the record.
How many people live in San Jose, California?
990,138, in 328,550 households. San Jose city covers 177.94 square miles of land, which is 5,564 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is San Jose in?
Santa Clara County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in San Jose?
$146,427. The median owner-occupied home is valued at $1,233,200. Median gross rent is $2,669 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to San Jose businesses?
842 7(a) approvals totalling $527.0 m, across 103 lenders, median approval $250,000, plus 483 504 approvals worth $535.3 m. These count approvals to borrowers whose address is in San Jose, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to San Jose borrowers get paid back?
Of the 155 loans that have reached a final outcome, 147 were paid in full and 8 charged off, a charge off rate of 5.2 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is San Jose in the National Flood Insurance Program?
Yes. San Jose appears in the FEMA Community Status Book as community 060349, carrying Community Rating System class 7, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page San Jose figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Santa Clara County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of San Jose.
Is zoning published for San Jose?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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