ZIP Code 95203 — Stockton, CA Home Prices (2026)
The typical home in ZIP 95203 (Stockton, California) is worth about $345,000 at roughly $247 per square foot — 13% more affordable than the Stockton median and 17% more expensive than the typical U.S. home.
How 95203 compares
ZIP 95203 is one of the more affordable ZIP codes in Stockton: its typical home value of $345,000 ranks #7 of the 9 Stockton ZIP codes we track (the citywide range runs from $326,000 in 95205 to $549,000 in 95212). Per square foot it costs about $247, against $274 for Stockton as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95203 | $345,000 | $247 |
| Stockton, CA | $395,000 | $274 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95203
Using this ZIP’s rate of about $247 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $247,000 |
| 1,500 sq ft | $370,500 |
| 2,000 sq ft | $494,000 |
| 2,500 sq ft | $617,500 |
| 3,000 sq ft | $741,000 |
Salary needed to buy a home in ZIP 95203
To buy the typical $345,000 home in ZIP 95203 with 20% down, you need a household income of roughly $94,000 a year (about $2,190 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $112,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,300 | $2,720/mo | $117,000/yr |
| 10% (+PMI) | $34,500 | $2,600/mo | $112,000/yr |
| 20% | $69,000 | $2,190/mo | $94,000/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 ZIP 95203
At about $247 per square foot, here is roughly how much home different budgets get you in ZIP 95203:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 810 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1210 sq ft | around the typical home here |
| $400k | 1620 sq ft | around the typical home here |
| $500k | 2020 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 95203 home.
Estimate a specific home in 95203
The estimator below is pre-set to ZIP 95203 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Stockton ZIP codes by home value
Where 95203 sits among Stockton’s 9 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 95212 | $549,000 | $320 |
| 2 | 95209 | $487,000 | $257 |
| 3 | 95206 | $418,000 | $274 |
| 4 | 95207 | $407,000 | $256 |
| 5 | 95210 | $395,000 | $304 |
| 6 | 95204 | $383,000 | $311 |
| 7 | 95203 (this page) | $345,000 | $247 |
| 8 | 95202 | $337,000 | $219 |
| 9 | 95205 | $326,000 | $319 |
ZIP 95203 home prices: frequently asked
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See the full Stockton home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.