How much is a home worth in ZIP code 95209?

The typical home in 95209 is worth $489,035, based on the Zillow Home Value Index.

Are home values rising in 95209?

Home values in 95209 are down 4.1% over the past year, and up 1.8% a year over five years.

What is the typical rent in 95209?

A typical home in 95209 rents for about $2,463 a month, a gross rental yield of 6.0%.

What is the property tax rate in 95209?

The effective property tax rate in 95209 is 0.7% — roughly $3,634 a year on a typical home.

ZIP code 95209 has a population of 47,409 and a median household income of $108,675.

HousingHandbookReference data

…

U.S. ZIP Code · CA95209

San Joaquin County · Stockton-Lodi, CA

Typical home value

$489,035^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -4.1%
5-year / yr: +1.8%
10-year / yr: +5.6%

Relative price

vs U.S.: +72.2%
vs metro: -11.6%
vs state: -30.2%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95209 is worth $489,035 — 11.6% below the Stockton-Lodi, CA median. Over the past year, values have fallen 4.1%. Homes here rent for a typical $2,463 a month — a 6.0% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,463^[2]
Gross yield: 6.0%^[2]
Cap rate: 3.6%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $3,634^[3]

#Climate risk

FEMA National Risk Index ratings for San Joaquin County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively High^[4]
Riverine flood: Relatively High
Coastal flood: Not Applicable
Wildfire: Relatively Moderate
Drought: Very High
Heat wave: Relatively High
Hurricane: Not Applicable
Tornado: Relatively Low
Earthquake: Relatively High
Winter weather: Relatively Low

#Who lives here

Population: 47,409^[3]
Median household income: $108,675^[3]

#Migration

Household moves in and out of San Joaquin County over a year, from IRS tax-return data.

Net migration: -147^[5]
Moved in: 15,203
Moved out: 15,350

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 14
Elementary: 8
Middle: 3
High: 2

Bear Creek High
High · Grades 9–12 · Lodi Unified
1,880 students
Christa McAuliffe Middle
Middle · Grades 7–8 · Lodi Unified
699 students
Harrison Elementary
Elementary · Grades K–8 · Stockton Unified
620 students
Delta Sierra Middle
Middle · Grades 7–8 · Lodi Unified
576 students
John Muir Elementary
Elementary · Grades K–6 · Lodi Unified
570 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield6.0%

Net yield (after ~40% expenses)3.6%

Annual rent$29,558

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,473

Loan principal$391,228

Down payment$97,807

Total interest paid$498,990

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.29

Monthly cost to own$3,182

Monthly rent$2,463

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 15th percentile^[1]
Rental yield: 82nd percentile^[2]
Property tax: 65th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95209?: The typical home in 95209 is worth $489,035, based on the Zillow Home Value Index.
Are home values rising in 95209?: Home values in 95209 are down 4.1% over the past year, and up 1.8% a year over five years.
What is the typical rent in 95209?: A typical home in 95209 rents for about $2,463 a month, a gross rental yield of 6.0%.
What is the property tax rate in 95209?: The effective property tax rate in 95209 is 0.7% — roughly $3,634 a year on a typical home.
Who lives in 95209?: ZIP code 95209 has a population of 47,409 and a median household income of $108,675.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

95240 vs 95209 →
Lodi, CA
Typical home
$471,692
Gross yield
4.6%
95237 vs 95209 →
Lockeford CDP, CA
Typical home
$525,615
Gross yield
—
95231
French Camp CDP, CA
Typical home
$528,488
Gross yield
—
95336
Manteca, CA
Typical home
$529,476
Gross yield
5.4%
95215
Waterloo CDP, CA
Typical home
$440,677
Gross yield
—
95212
Stockton, CA
Typical home
$549,284
Gross yield
6.4%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

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Pit ZIP 95209 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · CA95209

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