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Stockton city, CA

ZIP 95206 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95206

Median Home Value
$388,500
Median Rent
$1,215
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,496/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95206 in Stockton city, CA, a household would need roughly $107,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,496. That is about 34% above the local median household income ($79,751), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.6%-7% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
26.3%-31% vs US avg
x
$388,500
Home Value
$1,215
Rent
1993
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached88.4%
  • 1-unit attached3.1%
  • 2-9 units4.6%
  • 10+ units1.7%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$388,500
Median rent$1,215
Owner-occupied60.6%
Vacant6.9%
Price-to-income4.9x
Est. income to buy$107,000