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City · 8,825 residents · San Joaquin County, California

August , California

In August, a typical home is worth $296,100 and typical rent is $1,221 a month. Compared with all of San Joaquin County, the typical home value is 44% lower, typical household income is 42% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $296,100

    44% below the county

    60% below California

    • August
    • San Joaquin
    • California

  • Typical rent

    $1,221a month

    30% below the county

    40% below California

    • August
    • San Joaquin
    • California

  • Typical household income

    $53,173a year

    42% below the county

    46% below California

    • August
    • San Joaquin
    • California

  • Households that own their home

    56%

    6 points below the county

    About the same as California

    • August
    • San Joaquin
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$312,642
1.9% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

August is in San Joaquin County. The FHA loan limit ($678,500 for a one-unit home), the fair market rents and the help on this page are those of all of San Joaquin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets August apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in August is worth $296,100, 44% less than in San Joaquin County as a whole ($530,700).

  2. The typical household income in August is $53,173, 42% less than in San Joaquin County as a whole ($92,179).

  3. The typical rent in August is $1,221 a month, 30% less than in San Joaquin County as a whole ($1,734).

  4. 56% of households in August own their home, against 62% in San Joaquin County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in August

What homes there are in August, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in August: 76% of homes, near the figure in San Joaquin County (75%).

Mobile homes are 10% of homes in August, more than in San Joaquin County (3%).

Year built

The typical home in August was built in 1956, 28 years before the typical one in San Joaquin County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,567 a month

San Joaquin County: $2,494 a month

Without a mortgage

$582 a month

San Joaquin County: $740 a month

Owners with a mortgage

68%

San Joaquin County: 70%

In August, 68% of owners have a mortgage, and their typical cost is $1,567 a month, against $2,494 in San Joaquin County. Without one it drops to $582.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in August rose 80% since 2015–2019, more than in San Joaquin County (55%).

The typical rent in August rose 30% over the same time; in San Joaquin County, it rose 44%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAugustSan Joaquin CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.4%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 24.3%8.4%8.2%3.4%
People per household 3.813.192.842.53
Drive alone 77%74%66%69%
Carpool 17%12%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 24.3% of households in August live, more than in San Joaquin County (8.4%).

On average, a household in August has 3.81 people, more than in San Joaquin County (3.19).

In August, 17% of workers share a car to get to work; in San Joaquin County, 12%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in August?

A typical home costs more than the typical income allows

We start with a typical home in August, worth $296,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in August, which is $53,173 a year. For that payment to be 28% of income, a household would need to earn about $100,491 a year.

The calculator's FHA and conventional loan limits are those of all of San Joaquin County.

Your numbers

Local data
$

Starts at the typical home value in August. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,364 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,345

at 7.18% · 30 years

Loan amount
$290,736
Total interest
$418,301
Paid off in
November 2056

Includes $5,000 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,241 a month

  • Tight

    $1,241 to $1,595 a month

  • Hard

    more than $1,595 a month

    Your payment · 53%

Compared with the typical household income in August ($53,173 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,345
Principal & interest$1,970
Property tax$121
Home insurance$123
FHA mortgage insurance (MIP)$131

You need at least $10,364 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

August and San Joaquin County

August is in San Joaquin County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

August's own numbers

Typical home value
$296,100
Typical monthly rent
$1,221
Typical yearly household income
$53,173
Households that own their home
56%
Effective property tax rate
0.49%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of San Joaquin County

FHA limit, one-unit home
$678,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,015
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
3.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Joaquin County.

Everything about San Joaquin County

Buying

Buying a home in August

A typical home in August is worth $296,100: 44% below the county and 60% below California. With the typical household income in August ($53,173 a year), a typical home costs 5.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • August 5.6 years
  • San Joaquin 5.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in San Joaquin County

According to FHFA’s house price index, home prices in San Joaquin County rose 93% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of San Joaquin County.

Period County California U.S.
Last year (2025) −0.9% +0.8% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +93% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

August next to San Joaquin County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • August $296,100
  • San Joaquin $530,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • August $1,221
  • San Joaquin $1,734
  • California $2,036
  • United States $1,413
Typical yearly household income
  • August $53,173
  • San Joaquin $92,179
  • California $99,122
  • United States $80,734
See the full table
August next to San Joaquin County and California
Measure August San Joaquin County California U.S.
Typical home value $296,100 $530,700 $734,700 $332,700
Typical monthly rent $1,221 $1,734 $2,036 $1,413
Typical yearly household income $53,173 $92,179 $99,122 $80,734
Households that own their home 56% 62% 56% 65%
Typical yearly property tax $1,438 $3,960 $5,124 $3,119
Effective property tax rate 0.49% 0.75% 0.7% 0.94%
Renters with high rent for their income 60% 54% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Joaquin County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in August

For a typical $296,100 home in August, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, August's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,345a month

    Least cash to close
    Down payment
    $10,364
    Cash to close
    $19,247
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,291a month

    Down payment
    $14,805
    Cash to close
    $23,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $1,849a month

    Down payment
    $59,220
    Cash to close
    $68,103
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,123a month

    Down payment
    $44,415
    Cash to close
    $53,298
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for August and for San Joaquin County.

Property tax

Effective rate in August

0.49%of the home’s value each year

$1,438 a year for the typical owner in August.

  • August 0.49%
  • San Joaquin 0.75%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in San Joaquin County

FEMA does not publish these numbers by city: they are for all of San Joaquin County.

Homes in the high-risk zone
3.7%
7,720
Of those, with NFIP insurance
25%
County California U.S.
Homes in the high-risk zone 3.7% 2.8% 3.5%
Of those, with NFIP insurance 25% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in August

Typical rent in August is $1,221 a month: 30% below the county. In August, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Joaquin County, by unit size. To pay the 2-bedroom one ($2,015 a month) without spending more than 30% of your income, you would need to earn $38.75 an hour working full time.

HUD fair market rent for all of San Joaquin County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,525 $29.33 $61,000
1 bedroom $1,628 $31.31 $65,120
2 bedrooms $2,015 $38.75 $80,600
3 bedrooms $2,790 $53.65 $111,600
4 bedrooms $3,368 $64.77 $134,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in August

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). August is in ZIP code 95205.

For 2 bedrooms it is $1,660: $355 less than the fair market rent for San Joaquin County ($2,015).

  • 95205 $1,660$2,300

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for August when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in August

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in San Joaquin County; 1 says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in August

No down payment, repair or rent-help program on our list is for August or San Joaquin County. The ones below are statewide in California: they work in August the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near August

The HUD-approved agencies closest to the center of August, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Visionary Home Builders of California

    315 N San Joaquin St, Stockton · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 3 more
    (209) 466-6811

  • Habitat for Humanity, Stanislaus County

    2260 Tenaya Dr, Modesto · 29 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (209) 575-4585

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

Every agency in San Joaquin County All counseling agencies in California

Help in Spanish near August

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of August

HUD’s record names them for August or San Joaquin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Auth. of the County of San Joaquin Public housing and Section 8 vouchers (209) 460-5094

All housing agencies in California Source: HUD

Cities

Other cities in San Joaquin County

These cities are also in San Joaquin County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about San Joaquin County Housing in California

Nearby cities

The cities closest to August, with the typical home value.

Neighboring counties

If San Joaquin County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in August.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about August

Short answers with the numbers for August and all of San Joaquin County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in August?

The typical home value in August is $296,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Joaquin County it is $530,700.

How much does it cost to rent in August?

Typical rent in August is $1,221 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Joaquin County is $2,015.

What is the FHA loan limit in August?

August uses the FHA limit for all of San Joaquin County (2026): $678,500 for a one-unit home and $1,304,850 for a four-unit home.

How much property tax do owners pay in August?

The typical homeowner in August pays $1,438 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in San Joaquin County, the rate is 0.75%.

Where can I find free help to buy or rent in August?

There is 1 HUD-approved counseling agency with an office in San Joaquin County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).