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Tracy city, CA

ZIP 95376 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95376

Median Home Value
$588,200
Median Rent
$1,794
Affordability Snapshot
$162,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,778/mo PITI).

21%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

27.3 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 95376 in Tracy city, CA, a household would need roughly $162,000 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 $3,778. That is about 57% above the local median household income ($103,493), 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
60.6%-7% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
4.7%-64% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
22.2%-42% vs US avg
x
$588,200
Home Value
$1,794
Rent
1985
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 detached78.7%
  • 1-unit attached4.9%
  • 2-9 units9.7%
  • 10+ units5.3%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$588,200
Median rent$1,794
Owner-occupied60.6%
Vacant3.7%
Price-to-income5.7x
Est. income to buy$162,000