ZIP Code 95376 — Tracy, CA Home Prices (2026)
The typical home in ZIP 95376 (Tracy, California) is worth about $588,000 at roughly $366 per square foot — 22% more affordable than the Tracy median and 100% more expensive than the typical U.S. home.
How 95376 compares
ZIP 95376 is one of the more affordable ZIP codes in Tracy: its typical home value of $588,000 ranks #3 of the 3 Tracy ZIP codes we track (the citywide range runs from $588,000 in 95376 to $910,000 in 95304). Per square foot it costs about $366, against $365 for Tracy as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95376 | $588,000 | $366 |
| Tracy, CA | $753,000 | $365 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95376
Using this ZIP’s rate of about $366 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 | $366,000 |
| 1,500 sq ft | $549,000 |
| 2,000 sq ft | $732,000 |
| 2,500 sq ft | $915,000 |
| 3,000 sq ft | $1,098,000 |
Salary needed to buy a home in ZIP 95376
To buy the typical $588,000 home in ZIP 95376 with 20% down, you need a household income of roughly $160,000 a year (about $3,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $190,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $29,400 | $4,640/mo | $199,000/yr |
| 10% (+PMI) | $58,800 | $4,440/mo | $190,000/yr |
| 20% | $117,600 | $3,730/mo | $160,000/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 95376
At about $366 per square foot, here is roughly how much home different budgets get you in ZIP 95376:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 820 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1370 sq ft | around the typical home here |
| $600k | 1640 sq ft | around the typical home here |
| $750k | 2050 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 95376 home.
Estimate a specific home in 95376
The estimator below is pre-set to ZIP 95376 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Tracy ZIP codes by home value
Where 95376 sits among Tracy’s 3 ZIP codes:
ZIP 95376 home prices: frequently asked
What is the average home price in ZIP code 95376? +
What is the price per square foot in 95376? +
What salary do you need to buy a house in ZIP 95376? +
Is 95376 an expensive ZIP code? +
See the full Tracy 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.