Most of San Jose is in Santa Clara County, where a full-time job needs to pay at least $96.48 an hour before taxes to take home four times the typical studio rent.
Across the 50 ZIP codes in San Jose with HUD rent figures, studio rents run from $1,800 to $3,350 a month. At the middle rent, $2,460, a full-time job would need to pay $92.42 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 95101 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95103 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95106 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95108 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95109 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95110 | Santa Clara County | $2,280/mo | $84.63/hr |
| 95111 | Santa Clara County | $1,800/mo | $63.85/hr |
| 95112 | Santa Clara County | $2,180/mo | $80.30/hr |
| 95113 | Santa Clara County | $2,700/mo | $102.16/hr |
| 95116 | Santa Clara County | $1,960/mo | $70.77/hr |
| 95117 | Santa Clara County | $2,190/mo | $80.73/hr |
| 95118 | Santa Clara County | $2,220/mo | $82.03/hr |
| 95119 | Santa Clara County | $2,690/mo | $101.77/hr |
| 95120 | Santa Clara County | $2,630/mo | $99.42/hr |
| 95121 | Santa Clara County | $2,580/mo | $97.47/hr |
| 95122 | Santa Clara County | $2,060/mo | $75.10/hr |
| 95123 | Santa Clara County | $2,530/mo | $95.45/hr |
| 95124 | Santa Clara County | $2,520/mo | $95.02/hr |
| 95125 | Santa Clara County | $2,270/mo | $84.19/hr |
| 95126 | Santa Clara County | $2,440/mo | $91.55/hr |
| 95127 | Santa Clara County | $2,210/mo | $81.60/hr |
| 95128 | Santa Clara County | $2,490/mo | $93.72/hr |
| 95129 | Santa Clara County | $2,430/mo | $91.12/hr |
| 95130 | Santa Clara County | $1,980/mo | $71.64/hr |
| 95131 | Santa Clara County | $2,720/mo | $102.94/hr |
| 95132 | Santa Clara County | $2,730/mo | $103.33/hr |
| 95133 | Santa Clara County | $2,250/mo | $83.33/hr |
| 95134 | Santa Clara County | $3,350/mo | $129.16/hr |
| 95135 | Santa Clara County | $2,760/mo | $104.51/hr |
| 95136 | Santa Clara County | $2,370/mo | $88.52/hr |
| 95138 | Santa Clara County | $2,400/mo | $89.82/hr |
| 95139 | Santa Clara County | $2,910/mo | $110.45/hr |
| 95141 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95148 | Santa Clara County | $2,760/mo | $104.51/hr |
| 95150 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95151 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95152 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95153 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95154 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95155 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95156 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95157 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95158 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95159 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95160 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95161 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95164 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95170 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95172 | Santa Clara County | $2,460/mo | $92.42/hr |
| 95173 | Santa Clara County | $2,460/mo | $92.42/hr |
Under the Four Times Rent standard, a full-time job in San Jose needs to pay at least $96.48 an hour before taxes, about $200,675 a year. That is the figure for Santa Clara County, where the typical studio rent is $2,555 a month.
Yes. Across the 50 ZIP codes in San Jose with HUD rent figures, studio rents run from $1,800 to $3,350 a month. At the middle rent of $2,460, the pay needed would be $92.42 an hour.
The minimum wage in Santa Clara County is $16.90 an hour. The Four Times Rent standard there is 5.7 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads