ZIP Code 95215 — Stockton, California

The median home in 95215 is valued at $352,900 against a median household income of $58,361, a price-to-income ratio of 6.0. 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, 95215 ranks 20 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 24.8% of median household income (median rent $1,206 a month), under the 30% cost-burden threshold.

95215 ranks 1,280 of 1,558 statewide on median household income and 1,210 of 1,558 on median home value; its income is below the $85,098 San Joaquin County median. 62% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 8% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 18.9%, far above the 10.8% statewide ZIP median. Unemployment stands at 8.8%.

With 276 residents per square mile across 92.8 square miles of land, 95215 is far less dense than the statewide ZIP median of 1,120 (rank 1,003 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.