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Tracy city, CA

ZIP 95304 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95304

Median Home Value
$869,300
Median Rent
$2,126
Affordability Snapshot
$239,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,584/mo PITI).

22%
Rent-to-Income Ratio

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

7.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

34.1 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 95304 in Tracy city, CA, a household would need roughly $239,000 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 $5,584. That is about 109% above the local median household income ($114,359), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.5%-3% vs US avg
x
Vacancy Rate
8.2%-20% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
10.6%-28% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
11.3%-77% vs US avg
x
Mortgage-Free
36.1%-6% vs US avg
x
$869,300
Home Value
$2,126
Rent
2000
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached70.4%
  • 1-unit attached1.1%
  • 2-9 units4.3%
  • 10+ units19.0%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$869,300
Median rent$2,126
Owner-occupied63.5%
Vacant8.2%
Price-to-income7.6x
Est. income to buy$239,000