Stockton, CA—95209
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 $487,000, with a year-over-year change of -3.5%. This indicates that home prices in Stockton, CA are decreasing. According to Zillow, the 1-year price projection is -1.2%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $487,000 | -3.5% |
| Single Family | $488,000 | -3.9% |
| Condos | $270,000 | -4.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $374,000 | -3.9% |
3 Bed | $451,000 | -4.2% |
4 Bed | $518,000 | -3.7% |
| 5 Bed | $604,000 | -3.8% |
% of Housing Stock
Rental Trends — Stockton, CA
As of July '25, Rentcast reports the average rent in Stockton, CA is $2,430, with a year-over-year rent change of 0.4%. Per bedroom, the median rent as of July '25 in Stockton, CA is studios: $2,600, 1-bedrooms: $1,620, 2-bedrooms: $2,030, 3-bedrooms: $2,460, 4-bedrooms: $2,890. The most common rental property sizes in Stockton, CA are 3-bedroom and 2-bedroom, accounting for 39.0% and 27.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,450 | $2,430 |
| Studio Rent | $2,600 | $2,600 |
| 1 Bed Rent | $1,620 | $1,620 |
| 2 Bed Rent | $2,040 | $2,030 |
| 3 Bed Rent | $2,500 | $2,460 |
| 4 Bed Rent | $2,900 | $2,890 |
% 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 52. This is a increase of 16.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $517,000 | -4.0% |
Listing Count | 100 | -7.0% |
| Listings as % of Homes | 0.6% | -7.0% |
Days on Market | 52 | 16.0% |
Demographics — Stockton, CA
As of the latest ACS Survey released in 2023, Stockton, CA has a population of 46,600, which has increased by 5.1% over the past 5 years. Stockton, CA is a popular place for families, as children make up 26.3% of the population. The area has a moderately educated workforce, with 25.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 46,600 | 5.1% |
% Under 18 | 26.3% | -4.7% |
% Seniors | 15.3% | 11.7% |
% WFH | 9.5% | 206.5% |
% w/ College Degree | 25.0% | 10.6% |
As of the latest ACS Survey released in 2023, Stockton, CA is a predominantly hispanic area, with 34.6% of the population identifying as hispanic. The hispanic population has grown by 10.2% in the last 5 years. The second most common race or ethnicity in Stockton, CA is white, making up 24.9% of the population. Foreign-born residents account for 20.3% of the population in Stockton, CA, and this percentage has increased by 5.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 24.9% | -13.5% |
% Black | 12.1% | 13.1% |
% Hispanic | 34.6% | 10.2% |
% Asian | 22.9% | -7.3% |
% Foreign Born | 20.3% | 5.7% |
Mortgage and Risk — Stockton, CA
According to HUD data as of 2023, there were 489 mortgage originations in Stockton, CA, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 33.0% 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. 22.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 489 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 22.0% |
Loan Activity
Rentals and Section 8 — Stockton, CA
As of 2024, the percent of homes in Stockton, CA under the Section 8 program is 10.1%. 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 | 354 |
Total Units Section 8 | 354 |
% Rentals under Section 8 | 10.1% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $1,620 | $1,590 |
| 2 Bedroom | -$20 | $2,040 | $2,020 |
| 3 Bedroom | $330 | $2,500 | $2,830 |
| 4 Bedroom | $490 | $2,900 | $3,390 |
Affordability — Stockton, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.7 |
| Median Home Price | $487,000 |
| Median Household Income | $106,000 |