ZIP Code 95377 — Tracy, California

The median home in 95377 is valued at $680,800 against a median household income of $145,264, a price-to-income ratio of 4.7. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within San Joaquin County, 95377 ranks 4 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 22.3% of median household income (median rent $2,696 a month), under the 30% cost-burden threshold.

95377 ranks 171 of 1,558 statewide on median household income and 645 of 1,558 on median home value; its income is far above the $85,098 San Joaquin County median. 75% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 31% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 7.2%, below the 10.8% statewide ZIP median. Unemployment stands at 4.8%.

With 318 residents per square mile across 110 square miles of land, 95377 is far less dense than the statewide ZIP median of 1,120 (rank 974 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.