Stockton, CA—95207
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stockton, CA
As of Oct '25, the median home price in Stockton, CA is $404,000, with a year-over-year change of -3.0%. This indicates that home prices in Stockton, CA are decreasing. According to Zillow, the 1-year price projection is -1.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $404,000 | -3.0% |
| Single Family | $420,000 | -3.2% |
| Condos | $203,000 | -8.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $150,000 | -9.6% |
2 Bed | $273,000 | -3.2% |
3 Bed | $411,000 | -3.3% |
4 Bed | $476,000 | -3.6% |
| 5 Bed | $548,000 | -3.7% |
% of Housing Stock
Rental Trends — Stockton, CA
As of July '25, Rentcast reports the average rent in Stockton, CA is $1,820, with a year-over-year rent change of 7.7%. Per bedroom, the median rent as of July '25 in Stockton, CA is studios: $1,530, 1-bedrooms: $1,420, 2-bedrooms: $1,840, 3-bedrooms: $2,180, 4-bedrooms: $2,740. The most common rental property sizes in Stockton, CA are 2-bedroom and 3-bedroom, accounting for 52.6% and 19.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,720 | $1,820 |
| Studio Rent | $1,560 | $1,530 |
| 1 Bed Rent | $1,350 | $1,420 |
| 2 Bed Rent | $1,840 | $1,840 |
| 3 Bed Rent | $2,180 | $2,180 |
| 4 Bed Rent | $2,500 | $2,740 |
% of Rental Stock
Property Listings — Stockton, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Stockton, CA is 67. This is a increase of 23.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $392,000 | 0.0% |
Listing Count | 130 | 14.0% |
| Listings as % of Homes | 0.4% | 14.0% |
Days on Market | 67 | 23.0% |
Demographics — Stockton, CA
As of the latest ACS Survey released in 2023, Stockton, CA has a population of 52,400, which has increased by 1.1% over the past 5 years. Stockton, CA is a popular place for families, as children make up 26.2% of the population. The area has a poorly educated workforce, with 19.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 52,400 | 1.1% |
% Under 18 | 26.2% | 1.2% |
% Seniors | 14.4% | -5.3% |
% WFH | 6.8% | 44.7% |
% w/ College Degree | 19.8% | -2.9% |
As of the latest ACS Survey released in 2023, Stockton, CA is a predominantly hispanic area, with 42.8% of the population identifying as hispanic. The hispanic population has grown by 12.0% in the last 5 years. The second most common race or ethnicity in Stockton, CA is white, making up 23.1% of the population. Foreign-born residents account for 18.0% of the population in Stockton, CA, and this percentage has decreased by 8.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 23.1% | -20.1% |
% Black | 14.1% | 6.8% |
% Hispanic | 42.8% | 12.0% |
% Asian | 13.5% | -15.6% |
% Foreign Born | 18.0% | -8.2% |
Mortgage and Risk — Stockton, CA
According to HUD data as of 2023, there were 460 mortgage originations in Stockton, CA, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Stockton, CA. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 460 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Stockton, CA
As of 2024, the percent of homes in Stockton, CA under the Section 8 program is 8.3%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Stockton, CA, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 904 |
Total Units Section 8 | 904 |
% Rentals under Section 8 | 8.3% |
% Occupied Section 8 | 79.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$20 | $1,350 | $1,330 |
| 2 Bedroom | -$140 | $1,840 | $1,700 |
| 3 Bedroom | $200 | $2,180 | $2,380 |
| 4 Bedroom | $350 | $2,500 | $2,850 |
Affordability — Stockton, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.9 |
| Median Home Price | $404,000 |
| Median Household Income | $68,800 |