Cost of Living in San Jose: 2005 vs 2026

San Jose has always been expensive. What changed is how much housing now controls everyday life.

Housing Then vs Now

In 2005, rents were often under $1,500 and buying a home was challenging but possible for many families.

Today, median home prices are around $1.3M+, and rents for one- to two-bedroom apartments typically range from $2,700 to $3,500. Housing costs are now two to three times higher than they were two decades ago.

The Bigger Picture
When you add groceries, utilities, transportation, and healthcare, the overall cost of living in San Jose has risen roughly 70–80% since 2005. Housing is the main reason.

Everyday Expenses Today
Compared to the U.S. average:
•⁠ ⁠Housing costs are more than double
•⁠ ⁠Utilities are about 40–50% higher
•⁠ ⁠Groceries and services cost more across the board

In 2005, many of these were closer to national norms.

Income vs Reality
San Jose’s median household income is high, around $140,000+, but housing costs have grown faster than wages. Many residents now spend over 30% of their income on rent or mortgage payments.

Bottom Line:
- In 2005, San Jose was expensive but manageable.
- In 2026, housing dominates the budget and affordability is the biggest challenge.

How Infiniti Real Estate Helps You Navigate This Market

At Infiniti Real Estate, we work with buyers, sellers, and homeowners who want real numbers, not guesswork.

That means honest conversations about affordability, smart housing options based on your goals, and guidance rooted in today’s reality, not yesterday’s prices. San Jose is complex, and the right strategy makes all the difference.

Ready for a Clear, Real-World Breakdown?

If you’re thinking about moving to San Jose, buying your first home, downsizing, or simply trying to understand what living here truly costs today, let’s talk.

Reach out for a personalized cost breakdown, housing scenarios that actually make sense, and clear guidance tailored to your situation. No pressure. Just clarity, insight, and a smarter way forward.

Your next move deserves more than averages.