ZIP Code 95304 — Tracy, California

The median home in 95304 is valued at $812,900 against a median household income of $103,138, a price-to-income ratio of 7.9. That is above 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, 95304 ranks 26 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 25.9% of median household income (median rent $2,226 a month), under the 30% cost-burden threshold.

95304 ranks 543 of 1,558 statewide on median household income and 479 of 1,558 on median home value; its income is above 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. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 6.3%, below the 10.8% statewide ZIP median. Unemployment stands at 8.5%.

With 99 residents per square mile across 153.5 square miles of land, 95304 is far less dense than the statewide ZIP median of 1,120 (rank 1,138 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.