For myself personally it would be 95204. I currently live in 95203 (renting) and there's a lot of nice homes & streets in this zip code as well but you have to pick carefully as there are other areas not so nice. I personally feel west of Pacific / Madison is generally your best bet for this zip code. East of there it gets kind of nasty. If you are looking for a larger, newer home and can go up to $200k, check out what's available in 95206 once you get past the southern part of "downtown" and more into the planned community areas, there's some nice homes down that way.
If you are commuting for work, the area of 95203 I mentioned is very accessible to the highways and you won't get stuck in traffic getting there.