Stockton, CA—95204
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 $377,000, with a year-over-year change of -2.9%. This indicates that home prices in Stockton, CA are decreasing. According to Zillow, the 1-year price projection is -1.3%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $377,000 | -2.9% |
| Single Family | $378,000 | -3.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $281,000 | -4.7% |
2 Bed | $340,000 | -3.4% |
3 Bed | $392,000 | -3.2% |
4 Bed | $452,000 | -3.4% |
| 5 Bed | $541,000 | -3.9% |
% of Housing Stock
Rental Trends — Stockton, CA
As of July '25, Rentcast reports the average rent in Stockton, CA is $1,770, with a year-over-year rent change of -2.2%. Per bedroom, the median rent as of July '25 in Stockton, CA is studios: $1,070, 1-bedrooms: $1,250, 2-bedrooms: $1,800, 3-bedrooms: $2,480, 4-bedrooms: $3,000. The most common rental property sizes in Stockton, CA are 2-bedroom and 3-bedroom, accounting for 43.9% and 21.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,700 | $1,770 |
| Studio Rent | $1,050 | $1,070 |
| 1 Bed Rent | $1,250 | $1,250 |
| 2 Bed Rent | $1,850 | $1,800 |
| 3 Bed Rent | $2,400 | $2,480 |
| 4 Bed Rent | $3,000 | $3,000 |
% 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 53. This is a increase of 24.0% 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 35.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $417,000 | 2.0% |
Listing Count | 119 | 13.0% |
| Listings as % of Homes | 0.5% | 13.0% |
Days on Market | 53 | 24.0% |
Demographics — Stockton, CA
As of the latest ACS Survey released in 2023, Stockton, CA has a population of 31,000, which has increased by 9.2% over the past 5 years. Stockton, CA is a moderately popular place for families, as children make up 22.5% of the population. The area has a poorly educated workforce, with 20.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 31,000 | 9.2% |
% Under 18 | 22.5% | 3.7% |
% Seniors | 15.9% | -7.0% |
% WFH | 7.9% | 119.4% |
% w/ College Degree | 20.5% | 2.5% |
As of the latest ACS Survey released in 2023, Stockton, CA is a predominantly hispanic area, with 48.0% of the population identifying as hispanic. The hispanic population has grown by 7.4% in the last 5 years. The second most common race or ethnicity in Stockton, CA is white, making up 31.4% of the population. Foreign-born residents account for 17.6% of the population in Stockton, CA, and this percentage has increased by 30.4% 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 | 31.4% | -12.5% |
% Black | 7.0% | -1.4% |
% Hispanic | 48.0% | 7.4% |
% Asian | 9.3% | -4.1% |
% Foreign Born | 17.6% | 30.4% |
Mortgage and Risk — Stockton, CA
According to HUD data as of 2023, there were 373 mortgage originations in Stockton, CA, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Stockton, CA. Investor activity is low, as 2.0% 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 | 373 |
% Conventional Loans | 66.0% |
% Government Loans | 34.0% |
% Investor Loans | 2.0% |
% 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 12.1%. 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. In Stockton, CA, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 590 |
Total Units Section 8 | 590 |
% Rentals under Section 8 | 12.1% |
% Occupied Section 8 | 85.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$60 | $1,250 | $1,190 |
| 2 Bedroom | -$330 | $1,850 | $1,520 |
| 3 Bedroom | -$270 | $2,400 | $2,130 |
| 4 Bedroom | -$450 | $3,000 | $2,550 |
Affordability — Stockton, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.3 |
| Median Home Price | $377,000 |
| Median Household Income | $71,800 |