WhereCanIAfford › San Jose, CA › On $125,000

Is San Jose, CA affordable on a $125,000 salary?

NO On $125,000/yr, the typical $1,523,615 home in San Jose, CA needs $477,016/yr ($11,130/mo). Your gap: $-352,016 — housing would be 106.9% of your gross income.

The math

1,523,615 price − 10% down (152,362) = 1,371,253 loan
30-yr fixed at 7.18% on 1,371,253 = 9,289/mo principal+interest
+ 1,841/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
11,130/mo PITI ÷ 0.28 = 39,751/mo → 477,016/yr required

against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).

What salary WOULD clear San Jose, CA?

You need about $477,016/yr for the typical home. That's $352,016 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full San Jose, CA affordability breakdown → or every metro you can afford on $125,000 →