San Joaquin County, CA Average Home Price (2026)
The average home price in San Joaquin County, California is about $541,500 (the 2026 median across 28 ZIP codes, at ~$323/sq ft) — 21% more affordable than the California median and 87% more expensive than the typical U.S. home.
How San Joaquin County compares
San Joaquin County is relatively expensive for housing nationally: its typical home costs $541,500 against $688,000 for California and $289,000 for the U.S. Within the county, ZIP-level values run from about $321,000 to $925,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| San Joaquin County | $541,500 | $323 |
| California | $688,000 | $451 |
| United States | $289,000 | $193 |
Cities in San Joaquin County
Cities with their own home-value page, largest first:
San Joaquin County home prices by ZIP code
The 15 most valuable ZIP codes in San Joaquin County (of 28 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 95227 Lockeford | $925,000 | $387 | +71% |
| 95304 Tracy | $921,000 | $413 | +70% |
| 95220 Acampo | $788,000 | $485 | +46% |
| 95377 Tracy | $736,000 | $322 | +36% |
| 95366 Ripon | $673,000 | $341 | +24% |
| 95236 Linden | $670,000 | $385 | +24% |
| 95337 Manteca | $629,000 | $296 | +16% |
| 95330 Lathrop | $621,000 | $295 | +15% |
| 95320 Escalon | $591,000 | $360 | +9% |
| 95258 Woodbridge | $585,000 | $322 | +8% |
| 95376 Tracy | $576,000 | $346 | +6% |
| 95242 Lodi | $565,000 | $324 | +4% |
| 95686 Thornton | $546,000 | $743 | +1% |
| 95212 Stockton | $542,000 | $304 | +0% |
| 95219 Brentwood | $541,000 | $270 | +0% |
Home value appreciation in San Joaquin County
Home prices in San Joaquin County have risen about 93% over the last 10 years (≈6.8% a year) and +32.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -0.9% — roughly flat. A home worth $541,500 today was worth roughly $280,425 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, California is +80.3% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for San Joaquin County
Run the numbers for San Joaquin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in San Joaquin County
To buy the typical $541,500 home in San Joaquin County with 20% down, you need a household income of roughly $147,000 a year (about $3,440 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $175,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $27,100 | $4,270/mo | $183,000/yr |
| 10% (+PMI) | $54,200 | $4,080/mo | $175,000/yr |
| 20% | $108,300 | $3,440/mo | $147,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in San Joaquin County
At about $323 per square foot, here is roughly how much home different budgets get you in San Joaquin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 770 sq ft | below the local median — condos, smaller or older homes |
| $300k | 930 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1240 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1550 sq ft | around the typical home here |
| $600k | 1860 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to California.
Estimate a specific home in San Joaquin County
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San Joaquin County home prices: frequently asked
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Browse all California cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.