Retirement Savings Calculator for San Jose, CA
Updated 2026 · Local data pre-filled
The median household income in San Jose is $137,200. With a cost of living index of 198, your retirement needs will be higher than average. Planners generally recommend saving 10–15% of income; at San Jose's median income that's $16,464–$20,580 per year.
✓ Calculator below is pre-filled with San Jose local data
How San Jose Compares to the National Average
Understanding how San Jose stacks up helps you calibrate your financial planning.
| Metric | San Jose, CA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $1,350,000 | $420,800 | +220.8% |
| Median Monthly Rent | $2,195 | $1,713 | +28.1% |
| Median Household Income | $137,200 | $74,580 | +84.0% |
| Property Tax Rate | 0.68% | 1.10% | -38.2% |
| Cost of Living Index | 198 | 100 | +98.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
San Jose Financial Snapshot
- Population (Metro)
- 1,990,000
- Unemployment
- 3.4%
- Avg Commute
- 30 min
- Median Age
- 37.6
- Price-to-Rent Ratio
- 51.3x
- Annual Property Tax
- $9,180
Retirement Savings Calculator in Other California Cities
Frequently Asked Questions — San Jose
What is the median home price in San Jose, CA?
The median home price in San Jose is $1,350,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in San Jose?
Median monthly rent in San Jose is $2,195. That works out to $26,340/year, or 19% of the median household income — within the commonly recommended 30% of income guideline.
Is San Jose affordable?
San Jose's cost of living index is 198 vs. the national average of 100. With a median household income of $137,200/year and a median home price of $1,350,000, the price-to-income ratio is 9.8x. This makes homeownership a significant stretch for the typical San Jose household.
What is the property tax rate in San Jose?
The effective property tax rate in San Jose is 0.68% of assessed value. On the median home of $1,350,000, that's roughly $9,180/year ($765/month).