ZIP Code 95209 — Stockton, CA Home Prices (2026)
The typical home in ZIP 95209 (Stockton, California) is worth about $487,000 at roughly $257 per square foot — 23% more expensive than the Stockton median and 66% more expensive than the typical U.S. home.
How 95209 compares
ZIP 95209 is one of the pricier ZIP codes in Stockton: its typical home value of $487,000 ranks #2 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 $257, against $274 for Stockton as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95209 | $487,000 | $257 |
| Stockton, CA | $395,000 | $274 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95209
Using this ZIP’s rate of about $257 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 | $257,000 |
| 1,500 sq ft | $385,500 |
| 2,000 sq ft | $514,000 |
| 2,500 sq ft | $642,500 |
| 3,000 sq ft | $771,000 |
Salary needed to buy a home in ZIP 95209
To buy the typical $487,000 home in ZIP 95209 with 20% down, you need a household income of roughly $132,000 a year (about $3,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $157,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $24,400 | $3,840/mo | $165,000/yr |
| 10% (+PMI) | $48,700 | $3,670/mo | $157,000/yr |
| 20% | $97,400 | $3,090/mo | $132,000/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 95209
At about $257 per square foot, here is roughly how much home different budgets get you in ZIP 95209:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 970 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1560 sq ft | around the typical home here |
| $500k | 1950 sq ft | around the typical home here |
| $600k | 2330 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 95209 home.
Estimate a specific home in 95209
The estimator below is pre-set to ZIP 95209 — 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 95209 sits among Stockton’s 9 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 95212 | $549,000 | $320 |
| 2 | 95209 (this page) | $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 | $345,000 | $247 |
| 8 | 95202 | $337,000 | $219 |
| 9 | 95205 | $326,000 | $319 |
ZIP 95209 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.