Stockton, CA · California
San Joaquin County
ZIP 95320
787,416 residents2,434 permits TTM$88,531 median HHI30 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$494,500
ACS 5-Year
Cap rate proxy
4.2%
FMR × 0.65 ÷ Home Value
Rent-to-income
22.1%
HUD FMR ÷ ACS HHI
Net migration
+1.86%
IRS SOI
Permits (TTM)
2,434
Census BPS
Climate risk
98.6
FEMA NRI (0–100)
ZIP 95320
Median home value
$594,932
Gross yield
3.5%
Buy Box score
0.1
Section 8 gap
5.3%
Affordability
P/I: 6.7R/I: —
Section 8 detail
SAFMR: $1,720Rent: $1,633Gap: 5.3%
ZIP code breakdown30 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 95206 | $415,969 | $1,530 | 4.4% | 7.3% | -64.5% |
| 95210 | $389,815 | $1,550 | 4.8% | 6.1% | -28.6% |
| 95204 | $376,643 | $1,530 | 4.9% | 6.1% | -25.3% |
| 95205 | $325,016 | $1,440 | 5.3% | 6.0% | -13.4% |
| 95209 | $483,825 | $1,940 | 4.8% | 5.9% | -22.0% |
| 95203 | $345,538 | $1,310 | 4.5% | 5.6% | -23.3% |
| 95330 | $642,632 | $2,360 | 4.4% | 5.5% | -25.1% |
| 95207 | $402,980 | $1,760 | 5.2% | 5.4% | -3.5% |
| 95336 | $525,232 | $1,920 | 4.4% | 5.1% | -17.3% |
| 95337 | $642,848 | $2,090 | 3.9% | 4.9% | -26.0% |
| 95376 | $593,824 | $2,100 | 4.2% | 4.9% | -15.5% |
| 95242 | $570,016 | $2,020 | 4.3% | 4.9% | -14.2% |
| 95240 | $465,297 | $1,650 | 4.3% | 4.6% | -8.4% |
| 95377 | $766,375 | $2,610 | 4.1% | 4.6% | -12.7% |
| 95219 | $552,664 | $2,110 | 4.6% | 4.5% | 0.9% |
| 95215 | $432,200 | $1,380 | 3.8% | 4.5% | -18.3% |
| 95202 | $334,147 | $1,310 | 4.7% | 4.2% | 11.4% |
| 95211 | $494,500county est. | $1,610 | 3.9% | 4.0% | -1.4% |
| 95227 | $494,500county est. | $1,710 | 4.1% | 4.0% | 4.5% |
| 95253 | $494,500county est. | $1,450 | 3.5% | 4.0% | -12.6% |
| 95686 | $494,500county est. | $1,310 | 3.2% | 4.0% | -24.7% |
| 95366 | $677,354 | $1,880 | 3.3% | 4.0% | -18.7% |
| 95231 | $515,216 | $1,930 | 4.5% | 3.8% | 15.4% |
| 95237 | $518,510 | $1,400 | 3.2% | 3.8% | -16.6% |
| 95304 | $910,187 | $2,600 | 3.4% | 3.6% | -6.3% |
| 95212 | $543,724 | $2,420 | 5.3% | 3.6% | 32.5% |
| 95258 | $587,304 | $1,530 | 3.1% | 3.3% | -6.7% |
| 95320 | $594,932 | $1,720 | 3.5% | 3.3% | 5.1% |
| 95236 | $658,293 | $1,840 | 3.4% | 3.0% | 11.3% |
| 95220 | $778,976 | $1,540 | 2.4% | 2.5% | -6.0% |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
61.5%
Census ACS
Vacancy rate
6.0%
Census ACS
Bachelor's degree +
21.6%
Census ACS
Rent burdened
49.6%
Census ACS (>30% income)
Median age
35.2
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026