ZIP Code 95204 — Stockton, CA Home Prices (2026)
The typical home in ZIP 95204 (Stockton, California) is worth about $383,000 at roughly $311 per square foot — 3% more affordable than the Stockton median and 30% more expensive than the typical U.S. home.
How 95204 compares
ZIP 95204 is a mid-priced ZIP code for Stockton: its typical home value of $383,000 ranks #6 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 $311, against $274 for Stockton as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95204 | $383,000 | $311 |
| Stockton, CA | $395,000 | $274 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95204
Using this ZIP’s rate of about $311 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 | $311,000 |
| 1,500 sq ft | $466,500 |
| 2,000 sq ft | $622,000 |
| 2,500 sq ft | $777,500 |
| 3,000 sq ft | $933,000 |
Salary needed to buy a home in ZIP 95204
To buy the typical $383,000 home in ZIP 95204 with 20% down, you need a household income of roughly $104,000 a year (about $2,430 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $124,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,200 | $3,020/mo | $130,000/yr |
| 10% (+PMI) | $38,300 | $2,890/mo | $124,000/yr |
| 20% | $76,600 | $2,430/mo | $104,000/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 95204
At about $311 per square foot, here is roughly how much home different budgets get you in ZIP 95204:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 640 sq ft | below the local median — condos, smaller or older homes |
| $250k | 800 sq ft | below the local median — condos, smaller or older homes |
| $300k | 960 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1290 sq ft | around the typical home here |
| $500k | 1610 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 95204 home.
Estimate a specific home in 95204
The estimator below is pre-set to ZIP 95204 — 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 95204 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 (this page) | $383,000 | $311 |
| 7 | 95203 | $345,000 | $247 |
| 8 | 95202 | $337,000 | $219 |
| 9 | 95205 | $326,000 | $319 |
ZIP 95204 home prices: frequently asked
What is the average home price in ZIP code 95204? +
What is the price per square foot in 95204? +
What salary do you need to buy a house in ZIP 95204? +
Is 95204 an expensive ZIP code? +
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.