ZIP Code 95203 — Stockton, California

The median home in 95203 is valued at $326,000 against a median household income of $52,542, a price-to-income ratio of 6.2. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within San Joaquin County, 95203 ranks 21 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 26.5% of median household income (median rent $1,162 a month), under the 30% cost-burden threshold.

95203 ranks 1,376 of 1,558 statewide on median household income and 1,271 of 1,558 on median home value; its income is below the $85,098 San Joaquin County median. 39% of households own their home, below the 64% statewide ZIP median, so most residents rent. 16% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 25.4%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 9.6%.

With 2,619 residents per square mile across 6.2 square miles of land, 95203 is far denser than the statewide ZIP median of 1,120 (rank 638 of 1,558). This is predominantly single-family residential with suburban street patterns.