ZIP Code 95206 — Stockton, CA Home Prices (2026)
The typical home in ZIP 95206 (Stockton, California) is worth about $418,000 at roughly $274 per square foot — 6% more expensive than the Stockton median and 42% more expensive than the typical U.S. home.
How 95206 compares
ZIP 95206 is one of the pricier ZIP codes in Stockton: its typical home value of $418,000 ranks #3 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 $274, against $274 for Stockton as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95206 | $418,000 | $274 |
| Stockton, CA | $395,000 | $274 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95206
Using this ZIP’s rate of about $274 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 | $274,000 |
| 1,500 sq ft | $411,000 |
| 2,000 sq ft | $548,000 |
| 2,500 sq ft | $685,000 |
| 3,000 sq ft | $822,000 |
Salary needed to buy a home in ZIP 95206
To buy the typical $418,000 home in ZIP 95206 with 20% down, you need a household income of roughly $114,000 a year (about $2,650 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $135,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $20,900 | $3,300/mo | $141,000/yr |
| 10% (+PMI) | $41,800 | $3,150/mo | $135,000/yr |
| 20% | $83,600 | $2,650/mo | $114,000/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 95206
At about $274 per square foot, here is roughly how much home different budgets get you in ZIP 95206:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 730 sq ft | below the local median — condos, smaller or older homes |
| $250k | 910 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1460 sq ft | around the typical home here |
| $500k | 1820 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 pre-filled with a typical 95206 home.
Estimate a specific home in 95206
The estimator below is pre-set to ZIP 95206 — 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 95206 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 (this page) | $418,000 | $274 |
| 4 | 95207 | $407,000 | $256 |
| 5 | 95210 | $395,000 | $304 |
| 6 | 95204 | $383,000 | $311 |
| 7 | 95203 | $345,000 | $247 |
| 8 | 95202 | $337,000 | $219 |
| 9 | 95205 | $326,000 | $319 |
ZIP 95206 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.