NAICS 52

Finance and Insurance in San Jose-Sunnyvale-Santa Clara, CA

Metro Market Score 54.3 (Challenging), ranked #211 of 331 metros. 2,320 establishments, 20,854 jobs.

Metro Market Assessment

Metro Market Score 54.3
Favorable 0-35
Moderate 35-48
Challenging 48-60
Difficult 60+
Challenging

ⓘ Lower is better. Relative to national finance and insurance average.

💰High-Cost Market

San Jose-Sunnyvale-Santa Clara's finance and insurance market sits near the national metro median, ranking #211 of 331 with a market score of 54.3. No single metric stands out as an outlier, which means entry conditions depend more on your specific business model than on broad market forces.

Industry Concentration
20.9
LQ: 0.45
Rank #69 of 331 metros
Wage Competitiveness
99.1
$215,363 avg wage
Growth Trend
↓ 40.2
Employment growth index
Rank #199 of 331 metros
Wage Pressure
31.6
YoY wage change index

2,320 Finance and Insurance Firms in San Jose-Sunnyvale-Santa Clara

2,320
Establishments
-4.0% YoY
20,854
Total Employment
-1.7% YoY
$215,363
Average Annual Wage
+0.6% YoY
0.45
Location Quotient
Below national avg

San Jose-Sunnyvale-Santa Clara vs California Statewide

How this metro's finance and insurance market compares to California overall. The state ranks #12/51 for entry risk.

Measure San Jose-Sunnyvale-Santa Clara CA Statewide
Overall Score 54.3 Challenging 46.9 Elevated
Score Type Metro Market Score Entry Risk Score
Rank #211 of 331 metros #12 of 51 states

Metro and state scores use different methodologies (metro has 4 QCEW-based metrics; state adds BDS survival and momentum data). Direct score comparisons are approximate.

Other Industries in San Jose-Sunnyvale-Santa Clara

Healthcare and Social Assistance 42.4 Other Services 46.6 Accommodation and Food Services 53.3 Retail Trade 63.5 Real Estate and Rental and Leasing 65.0 Construction 68.4 Administrative and Support Services 70.4 Information 71.4

Finance and Insurance in Other California Metros

Bakersfield-Delano 19.0 #5/331 El Centro 28.6 #36/331 Redding 32.8 #63/331 Merced 34.4 #73/331 Visalia 39.7 #101/331 Fresno 42.2 #121/331 Santa Maria-Santa Barbara 42.6 #124/331 Vallejo 43.3 #130/331 Napa 43.5 #131/331 Modesto 43.8 #135/331

+ 13 more metros. View all in California →

About Metro Market Score: A weighted composite of industry concentration (25%), wage competitiveness (25%), wage pressure (20%), and employment growth trend (30%). Lower scores indicate more favorable conditions. For San Jose-Sunnyvale-Santa Clara's finance and insurance sector, the wage competitiveness component (99.1) has the strongest pull on the composite. Metro scores use QCEW data only (no BDS survival data at metro level). Read full methodology →

Data Sources

Data period: 2024. Last updated: April 2026.