Stockton, CA—95205
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 $325,000, with a year-over-year change of -4.7%. 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 | $325,000 | -4.7% |
| Single Family | $325,000 | -5.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $232,000 | -3.3% |
2 Bed | $285,000 | -5.3% |
3 Bed | $345,000 | -5.0% |
4 Bed | $428,000 | -4.0% |
| 5 Bed | $487,000 | -3.6% |
% of Housing Stock
Rental Trends — Stockton, CA
As of July '25, Rentcast reports the average rent in Stockton, CA is $1,780, with a year-over-year rent change of 21.9%. Per bedroom, the median rent as of July '25 in Stockton, CA is 1-bedrooms: $1,300, 2-bedrooms: $1,720, 3-bedrooms: $2,340. The most common rental property sizes in Stockton, CA are 2-bedroom and 3-bedroom, accounting for 41.4% and 30.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,700 | $1,780 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,250 | $1,300 |
| 2 Bed Rent | $1,700 | $1,720 |
| 3 Bed Rent | $2,090 | $2,340 |
| 4 Bed Rent | N/A | N/A |
% 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 44. 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 39.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $344,000 | -6.0% |
Listing Count | 57 | 2.0% |
| Listings as % of Homes | 0.5% | 2.0% |
Days on Market | 44 | 16.0% |
Demographics — Stockton, CA
As of the latest ACS Survey released in 2023, Stockton, CA has a population of 39,200, which has increased by 1.6% over the past 5 years. Stockton, CA is a popular place for families, as children make up 30.6% of the population. The area has a poorly educated workforce, with 4.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 39,200 | 1.6% |
% Under 18 | 30.6% | -2.5% |
% Seniors | 9.6% | 20.0% |
% WFH | 3.7% | 146.7% |
% w/ College Degree | 4.7% | 2.2% |
As of the latest ACS Survey released in 2023, Stockton, CA is a predominantly hispanic area, with 76.6% of the population identifying as hispanic. The hispanic population has grown by 7.3% in the last 5 years. The second most common race or ethnicity in Stockton, CA is white, making up 8.5% of the population. Foreign-born residents account for 33.0% of the population in Stockton, CA, and this percentage has increased by 3.8% 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 | 8.5% | -32.5% |
% Black | 7.1% | 6.0% |
% Hispanic | 76.6% | 7.3% |
% Asian | 6.6% | -19.5% |
% Foreign Born | 33.0% | 3.8% |
Mortgage and Risk — Stockton, CA
According to HUD data as of 2023, there were 289 mortgage originations in Stockton, CA, of which 59.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 47.0% above 90% LTV (very high). This implies large mortgage risk in Stockton, CA. Investor activity is low, as 6.0% 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 | 289 |
% Conventional Loans | 59.0% |
% Government Loans | 41.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Stockton, CA
Stockton, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 393 |
Total Units Section 8 | 384 |
% Rentals under Section 8 | 7.7% |
% Occupied Section 8 | 85.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$120 | $1,250 | $1,130 |
| 2 Bedroom | -$250 | $1,700 | $1,450 |
| 3 Bedroom | -$50 | $2,090 | $2,040 |
| 4 Bedroom | N/A | N/A | $2,460 |
Affordability — Stockton, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.7 |
| Median Home Price | $325,000 |
| Median Household Income | $58,100 |