How much is a home worth in ZIP code 95304?

The typical home in 95304 is worth $921,789, based on the Zillow Home Value Index.

Are home values rising in 95304?

Home values in 95304 are down 3.3% over the past year, and up 5.4% a year over five years.

What is the typical rent in 95304?

A typical home in 95304 rents for about $2,717 a month, a gross rental yield of 3.5%.

What is the property tax rate in 95304?

The effective property tax rate in 95304 is 0.7% — roughly $6,269 a year on a typical home.

ZIP code 95304 has a population of 15,841 and a median household income of $115,007.

HousingHandbookReference data

…

U.S. ZIP Code · CA95304

San Joaquin County · Stockton-Lodi, CA

Typical home value

$921,789^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -3.3%
5-year / yr: +5.4%
10-year / yr: +6.7%

Relative price

vs U.S.: +224.5%
vs metro: +66.6%
vs state: +31.6%

Price history

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

The typical home in 95304 is worth $921,789 — 66.6% above the Stockton-Lodi, CA median. Over the past year, values have fallen 3.3%. Homes here rent for a typical $2,717 a month — a 3.5% 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: $2,717^[2]
Gross yield: 3.5%^[2]
Cap rate: 2.1%^[2]

#Property tax

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

Effective tax rate: 0.7%^[3]
Typical annual tax: $6,269^[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: 15,841^[3]
Median household income: $115,007^[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: 11
Elementary: 5
Middle: 1
High: 0

Delta Charter
Other · Grades K–12 · New Jerusalem Elementary
811 students
Valley View Charter Prep
Other · Grades K–12 · Valley View Charter Prep District
669 students
Jefferson
Middle · Grades 5–8 · Jefferson Elementary
522 students
Delta Home Charter
Other · Grades K–12 · New Jerusalem Elementary
235 students
Delta Charter Online
Other · Grades K–12 · New Jerusalem Elementary
228 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 yield3.5%

Net yield (after ~40% expenses)2.1%

Annual rent$32,600

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$4,661

Loan principal$737,431

Down payment$184,358

Total interest paid$940,553

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 ratio2.19

Monthly cost to own$5,952

Monthly rent$2,717

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: 100th percentile^[1]
Rental yield: 0th percentile^[2]
Property tax: 35th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95304?: The typical home in 95304 is worth $921,789, based on the Zillow Home Value Index.
Are home values rising in 95304?: Home values in 95304 are down 3.3% over the past year, and up 5.4% a year over five years.
What is the typical rent in 95304?: A typical home in 95304 rents for about $2,717 a month, a gross rental yield of 3.5%.
What is the property tax rate in 95304?: The effective property tax rate in 95304 is 0.7% — roughly $6,269 a year on a typical home.
Who lives in 95304?: ZIP code 95304 has a population of 15,841 and a median household income of $115,007.

#Comparable ZIPs

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

95227 vs 95304 →
CA
Typical home
$961,602
Gross yield
—
95220 vs 95304 →
Dogtown CDP, CA
Typical home
$802,291
Gross yield
—
95377
Tracy, CA
Typical home
$773,240
Gross yield
4.6%
95366
Ripon, CA
Typical home
$689,110
Gross yield
3.8%
95236
Linden CDP, CA
Typical home
$672,517
Gross yield
—
95337
Manteca, CA
Typical home
$648,373
Gross yield
4.8%

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Pit ZIP 95304 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · CA95304

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