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Stockton city, CA

ZIP 95205 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95205

Median Home Value
$288,600
Median Rent
$1,033
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,854/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95205 in Stockton city, CA, a household would need roughly $79,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,854. That is about 36% above the local median household income ($58,138), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.8%-24% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
15.4%+20% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
36.9%-4% vs US avg
x
$288,600
Home Value
$1,033
Rent
1962
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached76.5%
  • 1-unit attached3.7%
  • 2-9 units8.3%
  • 10+ units6.8%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$288,600
Median rent$1,033
Owner-occupied49.8%
Vacant9.3%
Price-to-income5.0x
Est. income to buy$79,000