ZIP Code 95304 — Tracy city, CA Demographics & Data

ZIP code 95304 covers Tracy, CA in San Joaquin County with a population of about 14,818.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 209, 350; U.S. House district CA-13; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95304 is about $114,359 — about 52% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 6.8%; 28.5% of adults with a bachelor’s degree or higher (about 5.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Retail trade; about 10.7% of workers reporting work-from-home (about 4.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $869,300 — about 150% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,126 (about 83% above the U.S. median rent ($1,163)), and owner-occupancy near 63.5% (about 2.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95304 in Tracy, CA, a household would need roughly $239,000 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 $5,584. That is about 109% above the local median household income ($114,359), 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.

FEMA’s National Risk Index rates natural-hazard risk for Tracy city, CA as Relatively High (composite score 98.6), which is among the highest nationally. The strongest component scores on US5 are flood (97.7) and wildfire (92.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Tracy city, CA show little to no average snow and around 12.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 729 for ZIP 95304 (Tracy city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.