How much is a home worth in ZIP code 95240?

The typical home in 95240 is worth $471,692, based on the Zillow Home Value Index.

Are home values rising in 95240?

Home values in 95240 are down 2.8% over the past year, and up 2.2% a year over five years.

What is the typical rent in 95240?

A typical home in 95240 rents for about $1,809 a month, a gross rental yield of 4.6%.

What is the property tax rate in 95240?

The effective property tax rate in 95240 is 0.7% — roughly $3,328 a year on a typical home.

ZIP code 95240 has a population of 50,517 and a median household income of $82,137.

HousingHandbookReference data

…

U.S. ZIP Code · CA95240

San Joaquin County · Stockton-Lodi, CA

Typical home value

$471,692^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -2.8%
5-year / yr: +2.2%
10-year / yr: +5.5%

Relative price

vs U.S.: +66.0%
vs metro: -14.8%
vs state: -32.7%

Price history

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

The typical home in 95240 is worth $471,692 — 14.8% below the Stockton-Lodi, CA median. Over the past year, values have fallen 2.8%. Homes here rent for a typical $1,809 a month — a 4.6% 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: $1,809^[2]
Gross yield: 4.6%^[2]
Cap rate: 2.8%^[2]

#Property tax

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

Effective tax rate: 0.7%^[3]
Typical annual tax: $3,328^[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: 50,517^[3]
Median household income: $82,137^[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: 12
Elementary: 9
Middle: 0
High: 2

Tokay High
High · Grades 9–12 · Lodi Unified
2,088 students
Rio Valley Charter
Other · Grades K–12 · Rio Valley Charter District
731 students
Lois E. Borchardt Elementary
Elementary · Grades K–6 · Lodi Unified
709 students
Beckman Elementary
Elementary · Grades K–6 · Lodi Unified
531 students
Lawrence Elementary
Elementary · Grades K–6 · Lodi Unified
518 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 yield4.6%

Net yield (after ~40% expenses)2.8%

Annual rent$21,712

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$2,385

Loan principal$377,353

Down payment$94,338

Total interest paid$481,293

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 ratio1.69

Monthly cost to own$3,057

Monthly rent$1,809

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: 33rd percentile^[1]
Rental yield: 29th percentile^[2]
Property tax: 46th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95240?: The typical home in 95240 is worth $471,692, based on the Zillow Home Value Index.
Are home values rising in 95240?: Home values in 95240 are down 2.8% over the past year, and up 2.2% a year over five years.
What is the typical rent in 95240?: A typical home in 95240 rents for about $1,809 a month, a gross rental yield of 4.6%.
What is the property tax rate in 95240?: The effective property tax rate in 95240 is 0.7% — roughly $3,328 a year on a typical home.
Who lives in 95240?: ZIP code 95240 has a population of 50,517 and a median household income of $82,137.

#Comparable ZIPs

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

95209 vs 95240 →
Stockton, CA
Typical home
$489,035
Gross yield
6.0%
95215 vs 95240 →
Waterloo CDP, CA
Typical home
$440,677
Gross yield
—
95206
Stockton, CA
Typical home
$420,411
Gross yield
7.4%
95237
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%

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

Compare ZIPs

Pit ZIP 95240 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · CA95240

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