95123 receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
94530
95123
Opportunity
65 · Top 29%
vs70 · Top 20%
Growth
63 · Top 27%
vs64 · Top 25%
Climate
89 · Top 8%
vs89 · Top 8%
Physical resilience
23 · Bottom 17%
vs25 · Bottom 20%
Housing affordability
44 · Bottom 8%
vs45 · Bottom 9%
Access
97 · Top 33%
vs98 · Top 21%
Economic stability
75 · Top 21%
vs81 · Top 10%
Measured values
| Metric | 94530 | 95123 | Source period |
|---|---|---|---|
| Population | 26,401 | 69,677 | 2024 ACS 5-Year |
| Median household income | $128,529 | $144,276 | 2024 ACS 5-Year |
| Per capita income | $73,169 | $63,071 | 2024 ACS 5-Year |
| Population density | 6,097/sq mi | 8,908/sq mi | 2024 ACS 5-Year |
| Median home value | $1,114,100 | $1,166,800 | 2024 ACS 5-Year |
| Median gross rent | $2,545 | $2,976 | 2024 ACS 5-Year |
| Homeownership rate | 59.2% | 60.7% | 2024 ACS 5-Year |
| Unemployment rate | 3.8% | 4.0% | June 2026 |
| Employment change (year over year) | -1.8% | -0.7% | June 2026 |
| Bachelor's degree or higher | 67.6% | 45.8% | 2024 ACS 5-Year |
| Poverty rate | 6.8% | 5.9% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 87 | 4,891 | 12 months ending July 2026 |
| Permits per 1,000 residents | 3.3 | 4.9 | 12 months ending July 2026 |
| Permit change (year over year) | 278.3% | 239.7% | 12 months ending July 2026 |
| Average July high | 66°F | 81°F | 1991-2020 Normals |
| Average January low | 47°F | 42°F | 1991-2020 Normals |
| Annual precipitation | 22.9" | 13.5" | 1991-2020 Normals |
| Distance to major airport | 14 mi | 10 mi | NASR current cycle |
| Average commute | 35.9 min | 30.8 min | 2024 ACS 5-Year |
| Median age | 41.8 | 38.0 | 2024 ACS 5-Year |
| Public schools | 8 | 15 | 2024-25 school year |
| Students per teacher | 23.00 | 22.32 | 2024-25 school year |
| Free or reduced-price lunch eligibility | 46.2% | 37.2% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
94530
Elevated or high exposure: earthquake, inland flooding.
95123
Elevated or high exposure: earthquake, inland flooding.
Full profiles: 94530 — El Cerrito, CA · 95123 — San Jose, CA · How this is calculated: methodology