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Stockton city, CA

ZIP 95209 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95209

Median Home Value
$464,900
Median Rent
$1,458
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,986/mo PITI).

16%
Rent-to-Income Ratio

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

4.4x
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 95209 in Stockton city, CA, a household would need roughly $128,000 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 $2,986. That is about 21% above the local median household income ($106,056), 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
74.2%+14% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
10.5%-29% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
29.2%-24% vs US avg
x
$464,900
Home Value
$1,458
Rent
1986
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached85.5%
  • 1-unit attached6.0%
  • 2-9 units4.4%
  • 10+ units3.7%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$464,900
Median rent$1,458
Owner-occupied74.2%
Vacant3.3%
Price-to-income4.4x
Est. income to buy$128,000