Is San Jose, CA, Affordable for Renters? [2025]

San Jose is one of the most expensive cities in the nation, and is therefore not very affordable for renters. The city has a median rent of $2,927, which is significantly higher than the national median of $1,402, meaning San Jose renters spend around 109% more on housing.

Other costs to consider that may throw your budget out of sync include expensive childcare costs, which are 37% higher than the national average, according to Numbeo.

When adding all the costs together, San Jose ends up being one of the most expensive cities in the country, with its big tech draw and Northern California charm.

What Are the Current Trends in San Jose’s Rental Market?

San Jose’s rental market continues to heat up in 2025, with the median rent rising 0.7% from June to July 2025 and prices up 2% year-over-year. As of July 2025, the median rent is $2,927, well above the national median of $1,402.

Housing inventory appears to be rising at an estimated 20%, particularly in suburban areas, which aims to ease some of the burden on housing costs. Experts suggest that the increase in inventory will not affect the housing market, and it will remain a seller's market.

Average Rent Prices in San Jose, CA

Rent in San Jose varies by neighborhood, square footage, and the age of the property.

To give you an idea of what people are paying for rent today, here’s a look at average prices for one- and two-bedroom apartments across San Jose:

What Is the Average Rent of a One-Bedroom Apartment in San Jose?

As of July 2025, the average rent for a one-bedroom apartment in San Jose is $3,265. Rental unit pricing varies based on external factors, including location, amenities, and other relevant considerations.

Hot market areas, such as Downtown San Jose ($5,102) and Central San Jose (, $5,067) tend to command higher rental prices due to their prime locations, according to data from Rent.com. Buildings with built-in amenities, such as fitness centers, in-unit laundry facilities, pools, or other perks, also have higher price tags.

More suburban or quiet residential areas, located away from the city center's hustle and bustle, offer lower rental prices, such as a one-bedroom apartment in Blackford for $2,297 per month (data from Rent.com).

What Is the Average Rent of a 2-bedroom Apartment in San Jose?

Two-bedroom apartments in San Jose currently have an average rent of $3,506, which is 59.8% higher than the national average of $2,194.

Rent prices for two-bedroom apartments vary wildly by neighborhood, with rental units in Downtown San Jose renting for an average of $6,236 and units in quieter areas like Summerside have an average rent of $2,745—a stark difference of 127.2% (data from Rent.com).

How Much Rent Can I Afford in San Jose, CA?

Average rents in San Jose are above the national average, making it less accessible to renters.

Here’s how San Jose compares in 2025:

*Cost of Living Index (U.S. average = 100) data sourced from BestPlaces.

San Jose is second to San Francisco, CA, in terms of cost of living. Both offer the advantages of a large metropolitan area in California, but San Francisco has an overall higher cost of living than San Jose, mainly due to higher housing costs. According to the national average from Best Places data, which is 100, San Francisco scores 504.4, and San Jose scores 428.5.

The 30% Rule

You don’t have to be a budgeting pro to manage your finances and afford high rent in San Jose. With the 30% rule, you can calculate how much you should spend on rent each month, based on your current income.

The idea is to spend no more than 30% of your gross monthly income (before taxes). If you earn $7,500 per month, that means you can spend approximately $2,250 on rent. This guideline will help you search for San Jose neighborhoods with rental prices that you can comfortably afford.

The 50/30/20 Rule

Another method to manage money is the 50/30/20 framework. You split your income into three pots: 50% for needs, 30% for wants, and 20% for savings or debt payments. Rent is in the “needs” category, along with other necessities such as health insurance, transportation, and food. With all the needs lumped together, you’ll have to keep in mind not to use all 50% of it on rent. If you’re making $7,500 per month, ideally, you’ll keep your essential expenses under $3,750, which should include rent.

The 3x Rent Rule

While this rule is used by landlords, it’s important to know before signing a lease. 3x rent rule: Landlords want your gross monthly income to be at least three times the rent. If you’re hoping to spend $2,300 for a one-bedroom apartment in San Jose, you’ll need at least $6,300 to qualify. Landlords and property managers use it to determine potential renters' financial stability.

How Does the Overall Cost of Living in San Jose Compare to the National Average?

Overall, San Jose’s cost of living exceeds the national average, making it a difficult city to relocate to in 2025. Housing is the main contributor to the higher cost of living, but expenses on necessities are 131% higher than the national average.

Rents in San Jose are high, with the average city rent at $2,934, compared to the national average of $2,102. That’s a difference of 39.6%.

Are Utilities and Other Expenses Affordable in San Jose?

San Jose’s utilities run only slightly higher than the national average.

Electricity bills cost around $155 per month, which is only 4.5% above the national rate. Water costs an average of $60 per month, which is** **71.7% higher than the national average and 32% higher than the state average.

You can expect to spend approximately $69.13 per month on the internet, while other costs, such as public transportation, can range from $90 for a monthly pass to $2.50 per ride.

How Does the Cost of Renting Vary By Neighborhood in San Jose?

The neighborhood you choose will determine how much rent you pay. For example, the rent for a one-bedroom apartment in Downtown San Jose averages $5,102, while a one-bedroom apartment in North Campus costs an average of $1,800. An astronomical difference of 183%. Below is an overview of popular San Jose neighborhoods to help you find the right blend of budget and lifestyle.

Rent in San Jose’s Cheapest Neighborhoods

Looking to keep rent costs low? Houston has several neighborhoods where average prices come in well below the city median. These areas may trade high-rise glitz for quieter streets or older properties, but they offer serious value.

Blackford

Blackford is one of San Jose’s best-kept secrets for budget-conscious renters. It’s a quiet, primarily residential pocket tucked between West San Jose and Campbell, offering fast access to I-280, tech corridors, and shopping hubs like Santana Row and Westgate.

The rental stock here leans older, but you’ll find well-maintained apartment complexes, townhomes, and duplexes at rates far below downtown or central areas. It’s not flashy, but it’s practical, especially if you prioritize affordability, private parking, and a calmer neighborhood vibe.

Summerside

Summerside is ideal for renters who just want to keep costs low and don’t mind skipping trendier amenities. This East San Jose neighborhood sits close to Capitol Expressway and has a mix of mid-century houses, low-rise apartments, and modest complexes. It’s a largely car-dependent area, but public transit (VTA) is accessible with a bit of a walk.

If your goal is to live within San Jose city limits without breaking the bank, Summerside delivers, with enough nearby parks, grocery stores, and shopping options to meet your day-to-day needs. You won’t get nightlife or walkable café strips, but you will get space and savings.

Willow Glen

Willow Glen offers a rare blend of charm, community, and convenience at a slightly lower price point than you'd expect. Known for its tree-lined streets and historic bungalows, the neighborhood has a distinct small-town feel that’s unusual in Silicon Valley. It’s one of the few areas where you can walk to coffee shops, boutique stores, restaurants, and parks—all centered around Lincoln Avenue.

Rentals range from 1930s cottages to newer condos and apartments, many of which boast character and curb appeal. It’s particularly popular with young professionals, remote workers, and small families who value neighborhood cohesion and don’t need to be in the thick of downtown.

Blossom Valley

If you want a little more breathing room without giving up access to San Jose’s job market, Blossom Valley might be your sweet spot. This south San Jose neighborhood offers a mix of traditional apartment buildings, modern townhomes, and larger rentals in planned communities.

Average rents hover just below the city median, but you often get more square footage and access to green space in return. Nearby parks, hiking trails, and shopping centers make it especially appealing for families or outdoor-loving professionals. The trade-off? It’s farther from downtown and public transit is more limited, so it’s best for renters with cars.

Rent in San Jose’s Most Expensive Neighborhoods

San Jose has many neighborhoods with expensive rental units. Here are some of the most popular and pricey zip codes in San Jose:

Supplemental rent data from Rent.com

Downtown San Jose

Downtown San Jose is where business, entertainment, and city life converge. From high-rise apartments with skyline views to historic loft conversions, this area is made for those who want to live at the center of it all. You’ll be within walking distance to the SAP Center, San Pedro Square, museums, and light rail stops. The energy is constant, and so is the demand, which is why rents are among the highest in the city. This neighborhood suits professionals who prefer to avoid the commute or those who thrive in a fast-paced, urban environment.

Japantown

One of the last remaining Japantowns in the U.S., this neighborhood blends tradition with trend. Its walkable blocks are lined with sushi bars, galleries, specialty markets, and community events, such as farmers' markets and festivals. The residential streets feature a mix of older homes and new apartment buildings, with high rents reflecting the area’s charm and proximity to both downtown and the North San Jose tech hubs. It's a wise choice for renters who value a strong sense of neighborhood identity, weekend walkability, and a rich cultural heritage.

North San Jose

Home to a growing number of modern apartment communities and tech campuses, North San Jose is one of the most popular spots for high-earning professionals. You’ll find resort-style amenities, co-working lounges, and quick commutes to major employers like Cisco and PayPal. While it’s not known for charm or nightlife, the area is clean, efficient, and well-positioned for anyone who values new construction, ample parking, and freeway access. It’s ideal for tech workers who want lifestyle convenience with minimal time spent in traffic.

Garden Alameda

Located just west of downtown, Garden Alameda is quieter and more residential than nearby core neighborhoods, but still within minutes of downtown San Jose’s restaurants and transit hubs. It’s a tree-lined, mostly low-rise community with Craftsman homes, well-kept apartment buildings, and a slower pace of life. The rents here reflect a mix of location and charm: you’re not in the middle of the city, but you’re close enough to benefit from it. This area is great for renters who want access to city life without the density and noise.

What Is a Comfortable Salary for a Renter in San Jose?

San Jose residents who want to afford the average rent of $2,934 comfortably should earn about $9,750 per month or $117,000 per year before taxes based on the 30% rule. This is above the recommended annual income from living wage estimates for the San Jose area, which suggests an income of $73,375 per year. On this income, renters could afford a rental unit of $1,834 per month using the 30% rule.

That said, many renters in San Jose make it work on less. Cheaper neighborhoods, such as Blackford, Willow Glen, or Summerside, can allow those with lower budgets to afford housing costs in San Jose. With a plan, a yearly income of about $74,000 could work in the area, but you may have to cut out any extras.

Are There Hidden Costs to Renting in San Jose?

There are many costs to consider beyond the monthly rent. Here’s what to consider:

• Renter’s insurance: Many landlords in San Jose require renters’ insurance, with basic coverage typically running between $13 and $25.
• Application & admin fees: Unfortunately, it costs money to apply to rental units. This may include application fees that range from $30 to $50, as well as administrative costs that can be as high as $100-$200.
• Pet fees: If you’re moving with a pet, plan for a pet deposit, typically between $200 and $500, and inquire about pet rent, which can range from $25 to $50 per month, per pet.
• Expect to make a pet deposit of $200–$400 per pet, alongside monthly pet rent of $15–$50
• Moving costs: Moving* **can be expensive*. If you’re not DIY’ing it with a rental van or truck, you can expect to spend somewhere between $500 and $1,500, even if you’re not moving far.
• Security deposits: You’ll likely need to pay a security deposit before moving in, which typically consists of one month's rent in advance. If you snagged a $2,000 per month apartment, that’s already a $4,000 security deposit.

Also, be aware of any “junk fees” added to your rent after moving in. These may include valet trash, pest control, maintenance fees, package handling, and more.

What Are the Best Ways to Save on Rent in San Jose?

Renting in San Jose can be expensive, but there are ways to stretch your housing budget. Here are some of the most effective strategies:

1. Search for Off-Season Deals

Late fall through early winter is San Jose’s slowest rental period. Landlords are more willing to negotiate on rent, offer free parking, or waive administrative fees to fill vacancies. If you can time your move between October and January, you may be able to lock in a better deal.

2. Opt for Quieter, Less Expensive Neighborhoods

Prices drop fast once you get just a few miles outside of core areas like Downtown. Blackford, Blossom Valley, and North San Jose often have lower rents, more parking, and better space, without sacrificing commute time.

3. Split the Cost with Roommates

With the average two-bedroom apartment nearing $3,500/month, having a roommate can cut your costs nearly in half. Look for listings that are already set up for shared living or house shares near San Jose State or Santa Clara.

4. Avoid Overpaying for Amenities

Luxury buildings often charge more for features you might not need, such as concierge services, media rooms, and high-end gyms. Skip the fluff and focus on what you’ll use daily: in-unit laundry, secure parking, or proximity to your job.

5. Ask About Move-In Specials

Some landlords offer reduced rent or deposits, especially for longer leases. These specials aren’t always advertised online. Ask about them during tours or when speaking directly with leasing agents.

6. Budget for Upfront Costs

San Jose’s move-in expenses can be steep. Have a reserve fund for application fees, deposits, moving expenses, and pet fees, so you’re ready to act quickly when a great unit becomes available.

Find an Apartment in San Jose, CA

Doom scrolling won’t help you find an apartment. (Unfortunate, we know). However, the right filters and the right rental platform can help you find your next sweet digs without wasting your precious time.

Take Apartment List’s personalized quiz to find your match in San Jose.

Is San Jose Affordable for Renters? FAQs

Is renting cheaper than buying a home in San Jose?

Yes, renting is cheaper than buying a home in San Jose. Data from Best Places indicates that the average home costs $1,184,400. The upfront costs of buying and the average home price mean it's much more affordable to rent than buy.

Is San Jose’s rental market competitive?

Yes, San Jose’s rental market is definitely competitive, particularly in popular neighborhoods like Downtown, Willow Glen, or Japantown. We recommend applying to rental properties as soon as possible and using tools like Apartment List to track openings.

What’s a livable wage in San Jose?

According to the MIT Living Wage Calculator, a single adult in San Jose needs to earn at least $35.28—roughly $68,000/year—to cover basic living expenses without financial strain. That number climbs quickly with children or debt.

What if I can’t afford rent in San Jose, CA?

You’re not alone. Many renters struggle in high-cost-of-living cities like San Jose. Consider downsizing to a studio, moving in with roommates, or relocating further south, where rental costs can be more affordable. There are also rental assistance programs available through organizations such as Sacred Heart Community Service or the Santa Clara County Housing Authority, which may offer assistance with deposits, short-term subsidies, or eviction prevention funds.

Are utilities typically included in rent in San Jose? Ask ChatGPT

No, utilities aren’t usually included in most rental prices. Typically, renters are responsible for their own water, trash, electricity, and internet. Some buildings may include trash pickup or water, but not always. Ask your landlord what’s included before signing a lease.