Co-ownership in San Jose and San Francisco: A Growing Trend

The Silicon Valley and neighboring areas of San Francisco have become hot spots for real estate co-ownership in California. As California’s #1 partition attorneys, the co-ownership experts at Talkov Law have delved into the factors that give rise to this unusual housing pattern.

Co-ownership is More Common in and Around Silicon Valley Than Elsewhere in California

Talkov Law’s propriety research into co-ownership in California is summarized below to show that Silicon Valley and neighboring areas are more popular for co-ownership than other areas, notably Southern California. [1]This research compares properties that are co-owned by use of the owner’s last name, concluding that the lack of a matching last name means the property is not marital property. Note that this … Continue reading

Co-ownership is More Common in Northern California, Particularly Near Silicon Valley

Northern CaliforniaPercentage of Properties with Co-Owners
San Francisco25%
Santa Clara County21%
Alameda County18%
Sacramento County15%
Contra Costa County15%
San Mateo County14%

Co-ownership is Less Common in Southern California

Southern CaliforniaPercentage of Properties with Co-Owners
Riverside County14%
San Bernardino County14%
Los Angeles County11%
Orange County11%
San Diego County11%
Ventura County11%

What Factors Cause the Silicon Valley Area to Have High Co-ownership?

Talkov Law is the leading law firm for partition actions in California. Our partition attorneys have compared the unique demographics of Silicon Valley to help understand why this unique co-ownership trend has developed in San Francisco, San Jose, and surrounding areas.[2]Sources San Francisco Census Data​ (​ Demographics of San Jose​ ( San Francisco Demographics​ (World Population Review)​ San Jose Demographics​ (World … Continue reading

High Property Values and Cost of Living

  1. Extremely High Property Values:
    • San Francisco: The median value of owner-occupied housing units is approximately $1.35 million​.
    • San Jose: Similarly high property values make it challenging for individuals to purchase homes independently, promoting co-ownership to share costs​.
  2. High Cost of Living:
    • The overall cost of living in both San Francisco and San Jose is significantly higher than the national average, encompassing high housing and living expenses. This economic pressure makes co-ownership a practical and often necessary solution​.

Tech Industry Influence

  1. High Salaries but Competitive Housing Market:
    • San Francisco and San Jose: Both cities are major hubs for the tech industry, attracting a highly paid workforce. Despite high salaries, the competitive housing market drives up prices, making co-ownership a more feasible option for tech workers​.
  2. Younger Workforce:
    • The tech industry attracts a younger demographic, which is more inclined towards co-ownership as they build financial stability early in their careers​.

Demographic and Social Factors

  1. High Educational Attainment:
    • San Francisco: Approximately 59.8% of residents hold a bachelor’s degree or higher, facilitating informed and effective co-ownership agreements​.
    • San Jose: Also has a well-educated population, correlating with the ability to navigate co-ownership​.
  2. Diverse Population:
    • San Francisco: Features a diverse population, including significant Asian and Hispanic communities, which influence co-ownership through cultural norms and family-oriented housing arrangements​.
    • San Jose: Similar diversity impacts housing practices and preferences​.

Urban Density and Housing Market Dynamics

  1. Urban Density:
    • San Francisco: One of the most densely populated cities in the U.S., leading to limited space for new development and higher property prices, making co-ownership a viable option​.
  2. High Demand and Low Supply:
    • San Francisco and San Jose: The high demand for housing, coupled with limited supply, results in fierce competition for available properties, often necessitating co-ownership to secure housing​.

Cultural and Economic Factors

  1. Community and Collaboration:
    • The strong sense of community and collaboration within the tech and startup ecosystems in the Bay Area fosters a culture of co-ownership, allowing individuals to share resources and reduce individual financial burdens​.
  2. Investment Potential:
    • San Francisco and San Jose: Real estate is viewed as a robust investment due to consistently high property values and demand. Co-ownership allows individuals to enter the market and benefit from property appreciation while sharing financial responsibilities​.


San Francisco and San Jose exhibit high rates of co-owned properties due to a combination of high property values, a competitive housing market driven by the tech industry, a younger and highly educated population, urban density, cultural diversity, and a collaborative community ethos. These factors collectively make co-ownership an attractive and often necessary solution for many residents in these cities.

Talkov Law Partition Attorneys Can Help

If you are experiencing issues with your co-ownership, but your co-owner won’t agree to fair resolution of the situation, partition may be your only option. With seven, full time partition lawyers, Talkov Law is the #1 partition law firm in California and has handled over 300 partition actions throughout California. For a free consultation, call (844) 4-TALKOV (825568) or reach out online today.


1 This research compares properties that are co-owned by use of the owner’s last name, concluding that the lack of a matching last name means the property is not marital property. Note that this methodology causes the overcounting of married couples that do not change their last name, but undercounts non-marital, intrafamily properties owned by those with the same last name, such as a family home inherited by a brother and sister sharing the same last name. This research assumes this under and overcounting are similar throughout the state.


About Scott Talkov

Scott Talkov is a partition lawyer in California. He founded Talkov Law Corp. after more than one decade of experience at a California real estate litigation firm, where he served as one of the firm's partners. He has been featured on ABC 7, CNN, KCBS, and KCAL-9, and in the Los Angeles Times, the Orange County Register, the San Diego Union-Tribune, the Press-Enterprise, and in Los Angeles Lawyer Magazine. Scott has been named a Super Lawyers Rising Star for 9 consecutive years. He can be reached about new matters at or (844) 4-TALKOV (825568). He can also be contacted directly at

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