Stockton, CA—95210
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 $391,000, with a year-over-year change of -3.6%. 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 | $391,000 | -3.6% |
| Single Family | $393,000 | -3.9% |
| Condos | $234,000 | -2.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $304,000 | -2.6% |
3 Bed | $386,000 | -3.7% |
4 Bed | $425,000 | -3.6% |
| 5 Bed | $494,000 | -3.1% |
% of Housing Stock
Rental Trends — Stockton, CA
As of July '25, Rentcast reports the average rent in Stockton, CA is $1,690, with a year-over-year rent change of -18.4%. Per bedroom, the median rent as of July '25 in Stockton, CA is studios: $1,330, 1-bedrooms: $1,420, 2-bedrooms: $1,820, 3-bedrooms: $2,220, 4-bedrooms: $2,420. The most common rental property sizes in Stockton, CA are 2-bedroom and 3-bedroom, accounting for 38.1% and 30.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,540 | $1,690 |
| Studio Rent | $1,360 | $1,330 |
| 1 Bed Rent | $1,320 | $1,420 |
| 2 Bed Rent | $1,750 | $1,820 |
| 3 Bed Rent | $2,150 | $2,220 |
| 4 Bed Rent | $2,400 | $2,420 |
% 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 63. This is a increase of 31.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $389,000 | -7.0% |
Listing Count | 52 | -1.0% |
| Listings as % of Homes | 0.3% | -1.0% |
Days on Market | 63 | 31.0% |
Demographics — Stockton, CA
As of the latest ACS Survey released in 2023, Stockton, CA has a population of 42,100, which has increased by 2.4% over the past 5 years. Stockton, CA is a popular place for families, as children make up 28.7% of the population. The area has a poorly educated workforce, with 10.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 42,100 | 2.4% |
% Under 18 | 28.7% | 0.3% |
% Seniors | 13.9% | 20.9% |
% WFH | 4.9% | 122.7% |
% w/ College Degree | 10.9% | -1.8% |
As of the latest ACS Survey released in 2023, Stockton, CA is a predominantly hispanic area, with 38.2% of the population identifying as hispanic. The hispanic population has grown by 8.8% in the last 5 years. The second most common race or ethnicity in Stockton, CA is asian, making up 31.6% of the population. Foreign-born residents account for 27.1% of the population in Stockton, CA, and this percentage has decreased by 5.6% 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 | 13.0% | -7.1% |
% Black | 11.6% | -11.5% |
% Hispanic | 38.2% | 8.8% |
% Asian | 31.6% | -3.7% |
% Foreign Born | 27.1% | -5.6% |
Mortgage and Risk — Stockton, CA
According to HUD data as of 2023, there were 319 mortgage originations in Stockton, CA, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Stockton, CA. Investor activity is low, as 5.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 319 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 5.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Stockton, CA
As of 2024, the percent of homes in Stockton, CA under the Section 8 program is 16.4%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 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 and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 869 |
Total Units Section 8 | 869 |
% Rentals under Section 8 | 16.4% |
% Occupied Section 8 | 82.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$120 | $1,320 | $1,200 |
| 2 Bedroom | -$220 | $1,750 | $1,530 |
| 3 Bedroom | -$10 | $2,150 | $2,140 |
| 4 Bedroom | $170 | $2,400 | $2,570 |
Affordability — Stockton, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6 |
| Median Home Price | $391,000 |
| Median Household Income | $65,400 |