What is the median home value in San Joaquin County, CA?

The median home value in San Joaquin County, CA is $494,500, according to the latest Census ACS 5-Year Estimates.

What is the cap rate in San Joaquin County, CA?

The cap rate proxy in San Joaquin County, CA is 4.2% (estimated from HUD Fair Market Rent and Census home values with a 35% expense ratio). This is below average, suggesting an appreciation-focused market.

How much new construction is happening in San Joaquin County, CA?

San Joaquin County has 787,416 residents and issued 2,434 building permits over the trailing twelve months, according to the Census Building Permits Survey.

Stockton, CA · California

San Joaquin County

787,416 residents2,434 permits TTM$88,531 median HHI30 ZIP codesUpdated April 28, 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 code breakdown30 ZIP codes

ZIP	Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
95205	$325,016	$1,440	5.3%	6.0%	-13.4%
95202	$334,147	$1,310	4.7%	4.2%	11.4%
95210	$389,815	$1,550	4.8%	6.1%	-28.6%
95203	$345,538	$1,310	4.5%	5.6%	-23.3%
95207	$402,980	$1,760	5.2%	5.4%	-3.5%

Ranked by composite score

Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
$415,969	$1,530	4.4%	7.3%	-64.5%
$376,643	$1,530	4.9%	6.1%	-25.3%
$483,825	$1,940	4.8%	5.9%	-22.0%
$642,632	$2,360	4.4%	5.5%	-25.1%
$525,232	$1,920	4.4%	5.1%	-17.3%
$642,848	$2,090	3.9%	4.9%	-26.0%
$593,824	$2,100	4.2%	4.9%	-15.5%
$570,016	$2,020	4.3%	4.9%	-14.2%
$465,297	$1,650	4.3%	4.6%	-8.4%
$766,375	$2,610	4.1%	4.6%	-12.7%
$552,664	$2,110	4.6%	4.5%	0.9%
$432,200	$1,380	3.8%	4.5%	-18.3%
$494,500county est.	$1,610	3.9%	4.0%	-1.4%
$494,500county est.	$1,450	3.5%	4.0%	-12.6%
$494,500county est.	$1,710	4.1%	4.0%	4.5%
$494,500county est.	$1,310	3.2%	4.0%	-24.7%
$677,354	$1,880	3.3%	4.0%	-18.7%
$515,216	$1,930	4.5%	3.8%	15.4%
$518,510	$1,400	3.2%	3.8%	-16.6%
$910,187	$2,600	3.4%	3.6%	-6.3%
$543,724	$2,420	5.3%	3.6%	32.5%
$587,304	$1,530	3.1%	3.3%	-6.7%
$594,932	$1,720	3.5%	3.3%	5.1%
$658,293	$1,840	3.4%	3.0%	11.3%
$778,976	$1,540	2.4%	2.5%	-6.0%

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

Data sources

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 28, 2026

San Joaquin County

See all 30 ZIPs ranked by yield and cap rate