95304
Tracy, California.
Tracy, San Joaquin County, CA · Stockton, CA metro · population 15,841
to buy the typical home at today's mortgage rate — +$2,685 (+125%) since Jan 2020.
- 1 year
- Down $8,076 -1%
- $928,869$920,793 since Sep 2025
- 5 years
- Up $115,297 +14%
- $805,495$920,793 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 95304$4,833
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in zip 95304 fell 0.9% over the past year — slower than the nation's +1.2%.
Asking rents in zip 95304 rose 1.7% over the past year — slower than the nation's +2.7%.
Zillow also publishes an index for the city itself: Tracy, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 95304
Against the Stockton, CA metro and the national benchmark.
- 95304$2,613
- Stockton$2,431
- United States$1,932
Typical home value — 95304
Mid-tier homes, smoothed and seasonally adjusted.
- 95304$920,793
- Stockton$519,775
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 4.6 | 95376 | Tracy | 54,488 | $2,522 | $575,545 |
| 5.8 | 95377 | Tracy | 37,739 | $3,057 | $736,285 |
| 9.6 | 95337 | Manteca | 48,731 | $2,546 | $629,487 |
| 10.3 | 95330 | Lathrop | 35,395 | $3,056 | $620,754 |
| 12.5 | 95391 | Tracy | 25,574 | $3,048 | $848,137 |
| 14.6 | 95231 | French Camp | 3,896 | — | $506,025 |
| 15.1 | 95206 | Stockton | 68,558 | $2,420 | $409,950 |
| 15.2 | 95336 | Manteca | 50,185 | $2,541 | $514,732 |
| 15.5 | 94550 | Livermore | 49,873 | $3,007 | $1,195,648 |
| 15.8 | 95366 | Ripon | 18,954 | $2,316 | $673,189 |
| 16.6 | 95358 | Modesto | 30,469 | $2,575 | $426,585 |
| 16.8 | 94505 | Discovery Bay | 14,970 | $3,570 | $773,799 |
| 16.8 | 94514 | Byron | 1,953 | — | $839,627 |
| 16.8 | 95368 | Salida | 13,900 | $2,350 | $484,219 |
| 19.3 | 95203 | Stockton | 15,930 | $1,459 | $335,924 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.