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City · 322,326 residents · San Joaquin County, California

Stockton , California

In Stockton, a typical home is worth $440,900 and typical rent is $1,577 a month. Compared with all of San Joaquin County, the typical home value is 17% lower, typical household income is 13% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $440,900

    17% below the county

    40% below California

    • Stockton
    • San Joaquin
    • California

  • Typical rent

    $1,577a month

    9% below the county

    23% below California

    • Stockton
    • San Joaquin
    • California

  • Typical household income

    $79,907a year

    13% below the county

    19% below California

    • Stockton
    • San Joaquin
    • California

  • Households that own their home

    54%

    8 points below the county

    2 points below California

    • Stockton
    • San Joaquin
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$422,451
1.7% less than 12 months ago
Typical rent
$2,032 a month
1.7% more than 12 months ago

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

Stockton 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 Stockton apart

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

  1. Nearby, in August, the typical home value is $296,100: 33% less than in Stockton ($440,900).

  2. Nearby, in August, the typical rent is $1,221: 23% less than in Stockton ($1,577).

  3. The typical home in Stockton is worth $440,900, 17% less than in San Joaquin County as a whole ($530,700).

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

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

The homes here

Housing in Stockton

What homes there are in Stockton, 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 still the most common home in Stockton, but it weighs less than in San Joaquin County: 67% against 75%.

Year built

Homes in Stockton are older: the typical year built is 1980; in San Joaquin County, 1984.

In Stockton, 14% of homes have 1 bedroom or none (studios); 62% have 3 bedrooms or more, against 68% 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

About 86% of owner-occupied homes in Stockton are worth less than the FHA loan limit for San Joaquin County ($678,500).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for San Joaquin County is $2,015; about 75% of rents in Stockton are below it.

With a mortgage

$2,217 a month

San Joaquin County: $2,494 a month

Without a mortgage

$686 a month

San Joaquin County: $740 a month

Owners with a mortgage

69%

San Joaquin County: 70%

In Stockton, 69% of owners have a mortgage, and their typical cost is $2,217 a month, against $2,494 in San Joaquin County. Without one it drops to $686.

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 Stockton rose 61% since 2015–2019, more than in San Joaquin County (55%).

The typical rent in Stockton rose 41% since 2015–2019, about the same as in San Joaquin County (44%).

To compare: typical income in Stockton rose 46%; the home, +61%; the rent, +41%.

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

MeasureStocktonSan Joaquin CountyCaliforniaUnited States
Rental vacancy 3.6%3.4%4.2%5.5%
Homeowner vacancy 0.8%0.9%0.8%0.9%
More than one person per room 10.2%8.4%8.2%3.4%
People per household 3.203.192.842.53
Drive alone 76%74%66%69%
Carpool 13%12%10%9%
Public transit 1%1%3%3%
Walk or bike 1%2%3%3%
Work from home 8%11%17%15%
Other means 1%1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Stockton look like those in San Joaquin County: the rental vacancy rate is 3.6%.

In Stockton, 10.2% of households live with more than one person per room, against 8.4% in San Joaquin County.

By size, households in Stockton look like those in San Joaquin County: 3.20 people on average.

The car rules in Stockton: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Stockton?

A typical home costs more than the typical income allows

We start with a typical home in Stockton, worth $440,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Stockton, which is $79,907 a year. For that payment to be 28% of income, a household would need to earn about $153,256 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 Stockton. 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 $15,432 (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

$3,576

at 7.18% · 30 years

Loan amount
$432,914
Total interest
$622,861
Paid off in
November 2056

Includes $7,446 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,864 a month

  • Tight

    $1,864 to $2,397 a month

  • Hard

    more than $2,397 a month

    Your payment · 54%

Compared with the typical household income in Stockton ($79,907 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,576
Principal & interest$2,933
Property tax$265
Home insurance$184
FHA mortgage insurance (MIP)$195

You need at least $15,432 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

Stockton and San Joaquin County

Stockton 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).

Stockton's own numbers

Typical home value
$440,900
Typical monthly rent
$1,577
Typical yearly household income
$79,907
Households that own their home
54%
Effective property tax rate
0.72%

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 Stockton

A typical home in Stockton is worth $440,900: 17% below the county and 40% below California. With the typical household income in Stockton ($79,907 a year), a typical home costs 5.5 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.

  • Stockton 5.5 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

Stockton 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
  • Stockton $440,900
  • San Joaquin $530,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Stockton $1,577
  • San Joaquin $1,734
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Stockton $79,907
  • San Joaquin $92,179
  • California $99,122
  • United States $80,734
See the full table
Stockton next to San Joaquin County and California
Measure Stockton San Joaquin County California U.S.
Typical home value $440,900 $530,700 $734,700 $332,700
Typical monthly rent $1,577 $1,734 $2,036 $1,413
Typical yearly household income $79,907 $92,179 $99,122 $80,734
Households that own their home 54% 62% 56% 65%
Typical yearly property tax $3,174 $3,960 $5,124 $3,119
Effective property tax rate 0.72% 0.75% 0.7% 0.94%
Renters with high rent for their income 56% 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 Stockton

For a typical $440,900 home in Stockton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stockton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,576a month

    Least cash to close
    Down payment
    $15,432
    Cash to close
    $28,659
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $195

  • Conventional, 5% down $3,495a month

    Down payment
    $22,045
    Cash to close
    $35,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $209

  • Conventional, 20% down, no PMI $2,838a month

    Down payment
    $88,180
    Cash to close
    $101,407
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,245a month

    Down payment
    $66,135
    Cash to close
    $79,362
    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 Stockton and for San Joaquin County.

Property tax

Effective rate in Stockton

0.72%of the home’s value each year

$3,174 a year for the typical owner in Stockton.

  • Stockton 0.72%
  • 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 Stockton

Typical rent in Stockton is $1,577 a month: 9% below the county. In Stockton, 56% 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 Stockton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stockton has 10 ZIP codes with their own.

For 2 bedrooms it runs from $1,180 in 95202 to $2,270 in 95219.

3 of the 10 are above the fair market rent for San Joaquin County ($2,015).

  • 95202 $1,180$1,660
  • 95203 $1,520$2,100
  • 95204 $1,670$2,310
  • 95205 $1,660$2,300
  • 95206 $1,790$2,480
  • 95207 $2,030$2,810
  • 95209 $2,150$2,980
  • 95210 $1,770$2,450
  • 95211 $1,790$2,480
  • 95219 $2,270$3,140

7 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Stockton 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?

Low-income apartments

Low-income apartments in Stockton

HUD lists 50 buildings with rents for lower incomes in Stockton. These are the largest.

  • Sierra Vista Annex - Conway Homes 2539 Alabama Ave, Stockton 95206 397 homes, 395 low-income · Run by Housing Auth. of the County of San Joaquin · Average payment: $636 a month · Average wait: 72 months (209) 460-5094
  • Sierra Vista Homes 1614 E 11th St, Stockton 95206 268 homes, 264 low-income · Run by Housing Auth. of the County of San Joaquin · Average payment: $657 a month (209) 460-5094
  • Park Village Apartments 3830 Alvarado Ave, Stockton 95204 208 homes, 207 low-income · For families (209) 948-9120
  • New Village East Apartments 2512 E Lafayette St, Stockton 95205 190 low-income homes · For families (209) 948-0164
  • Meridian Pointe Fka Hampton Square Apartments 819 E Hammer Ln, Stockton 95210 186 homes, 184 low-income · 2 bd: 139 · 3 bd: 1 · 4 bd: 46 · In service since 2017 · For older adults

See all 68 buildings in San Joaquin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stockton

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Stockton

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

The HUD-approved agencies closest to the center of Stockton, 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 · 31 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 Stockton

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 Stockton

HUD’s record names them for Stockton 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 Stockton, 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 Stockton.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Stockton

Short answers with the numbers for Stockton 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 Stockton?

The typical home value in Stockton is $440,900, 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 Stockton?

Typical rent in Stockton is $1,577 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 Stockton?

Stockton 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 Stockton?

The typical homeowner in Stockton pays $3,174 a year, according to the U.S. Census Bureau. That is 0.72% 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 Stockton?

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).