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City · 10,667 residents · San Joaquin County, California

Garden Acres , California

In Garden Acres, a typical home is worth $336,000 and typical rent is $1,354 a month. Compared with all of San Joaquin County, the typical home value is 37% lower, typical household income is 28% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $336,000

    37% below the county

    54% below California

    • Garden Acres
    • San Joaquin
    • California

  • Typical rent

    $1,354a month

    22% below the county

    33% below California

    • Garden Acres
    • San Joaquin
    • California

  • Typical household income

    $66,474a year

    28% below the county

    33% below California

    • Garden Acres
    • San Joaquin
    • California

  • Households that own their home

    54%

    8 points below the county

    2 points below California

    • Garden Acres
    • San Joaquin
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$361,290
about the same as 12 months ago

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

Garden Acres 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 Garden Acres apart

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

  1. The typical home in Garden Acres is worth $336,000, 37% less than in San Joaquin County as a whole ($530,700).

  2. The typical household income in Garden Acres is $66,474, 28% less than in San Joaquin County as a whole ($92,179).

  3. The typical rent in Garden Acres is $1,354 a month, 22% less than in San Joaquin County as a whole ($1,734).

  4. 54% of households in Garden Acres own their home, against 62% in San Joaquin County.

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

The homes here

Housing in Garden Acres

What homes there are in Garden Acres, 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 rules in Garden Acres: 92% of homes, more than in San Joaquin County (75%).

Year built

Homes in Garden Acres are older: the typical year built is 1959; in San Joaquin County, 1984.

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

$1,573 a month

San Joaquin County: $2,494 a month

Without a mortgage

$482 a month

San Joaquin County: $740 a month

Owners with a mortgage

67%

San Joaquin County: 70%

Owning costs less in Garden Acres: with a mortgage, the typical cost is $1,573 a month; in San Joaquin County, $2,494. Without one, $482.

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

Since 2015–2019, homes in Garden Acres gained value faster than in San Joaquin County: 101% against 55%.

Rents in Garden Acres rose more slowly than in San Joaquin County: 24% since 2015–2019, against 44%.

The typical household income in Garden Acres rose 61% over that time; home values changed +101% and rent +24%.

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

MeasureGarden AcresSan 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 15.2%8.4%8.2%3.4%
People per household 3.843.192.842.53
Drive alone 73%74%66%69%
Carpool 21%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 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Garden Acres: 15.2% have more than one person per room; in San Joaquin County, 8.4%.

More people live in each home here: 3.84 on average, against 3.19 in San Joaquin County.

Carpooling is common in Garden Acres: 21% of workers get to work that way, against 12% in San Joaquin County.

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 Garden Acres?

A typical home costs more than the typical income allows

We start with a typical home in Garden Acres, worth $336,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Garden Acres, which is $66,474 a year. For that payment to be 28% of income, a household would need to earn about $114,633 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 Garden Acres. 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 $11,760 (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

$2,675

at 7.18% · 30 years

Loan amount
$329,914
Total interest
$474,669
Paid off in
November 2056

Includes $5,674 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,551 a month

  • Tight

    $1,551 to $1,994 a month

  • Hard

    more than $1,994 a month

    Your payment · 48%

Compared with the typical household income in Garden Acres ($66,474 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,675
Principal & interest$2,235
Property tax$151
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,760 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

Garden Acres and San Joaquin County

Garden Acres 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).

Garden Acres's own numbers

Typical home value
$336,000
Typical monthly rent
$1,354
Typical yearly household income
$66,474
Households that own their home
54%
Effective property tax rate
0.54%

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 Garden Acres

A typical home in Garden Acres is worth $336,000: 37% below the county and 54% below California. With the typical household income in Garden Acres ($66,474 a year), a typical home costs 5.1 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.

  • Garden Acres 5.1 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

Garden Acres 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
  • Garden Acres $336,000
  • San Joaquin $530,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Garden Acres $1,354
  • San Joaquin $1,734
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Garden Acres $66,474
  • San Joaquin $92,179
  • California $99,122
  • United States $80,734
See the full table
Garden Acres next to San Joaquin County and California
Measure Garden Acres San Joaquin County California U.S.
Typical home value $336,000 $530,700 $734,700 $332,700
Typical monthly rent $1,354 $1,734 $2,036 $1,413
Typical yearly household income $66,474 $92,179 $99,122 $80,734
Households that own their home 54% 62% 56% 65%
Typical yearly property tax $1,808 $3,960 $5,124 $3,119
Effective property tax rate 0.54% 0.75% 0.7% 0.94%
Renters with high rent for their income 50% 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 Garden Acres

For a typical $336,000 home in Garden Acres, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garden Acres's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,675a month

    Least cash to close
    Down payment
    $11,760
    Cash to close
    $21,840
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $2,613a month

    Down payment
    $16,800
    Cash to close
    $26,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,112a month

    Down payment
    $67,200
    Cash to close
    $77,280
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,423a month

    Down payment
    $50,400
    Cash to close
    $60,480
    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 Garden Acres and for San Joaquin County.

Property tax

Effective rate in Garden Acres

0.54%of the home’s value each year

$1,808 a year for the typical owner in Garden Acres.

  • Garden Acres 0.54%
  • 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 Garden Acres

Typical rent in Garden Acres is $1,354 a month: 22% below the county. In Garden Acres, 50% 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 Garden Acres

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garden Acres is in ZIP code 95215.

For 2 bedrooms it is $1,600: $415 less than the fair market rent for San Joaquin County ($2,015).

  • 95215 $1,600$2,220

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garden Acres 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 Garden Acres

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Garden Acres

No down payment, repair or rent-help program on our list is for Garden Acres or San Joaquin County. The ones below are statewide in California: they work in Garden Acres 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 Garden Acres

The HUD-approved agencies closest to the center of Garden Acres, 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 · 3 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 · 28 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 · 42 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 Garden Acres

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 Garden Acres

HUD’s record names them for Garden Acres 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 Garden Acres, 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 Garden Acres.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Garden Acres

Short answers with the numbers for Garden Acres 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 Garden Acres?

The typical home value in Garden Acres is $336,000, 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 Garden Acres?

Typical rent in Garden Acres is $1,354 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 Garden Acres?

Garden Acres 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 Garden Acres?

The typical homeowner in Garden Acres pays $1,808 a year, according to the U.S. Census Bureau. That is 0.54% 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 Garden Acres?

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).