San Joaquin County, California home prices
Typical home $519,776 · -2.1% in a year · property tax 0.75%
The typical home in San Joaquin County is worth $519,776, 32% less than the California typical home ($761,538). Values changed -2.1% in the past year and +1.8% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($3,878 on the typical home), versus 0.72% statewide.
Mortgage on the typical San Joaquin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $103,955 | $415,821 | $2,797 | $0 | $583 | $3,380 | $144,900 |
| 10% down | $51,978 | $467,799 | $3,147 | $195 | $583 | $3,925 | $168,200 |
| 5% down | $25,989 | $493,788 | $3,322 | $206 | $583 | $4,111 | $176,200 |
| 3.5% down (FHA) | $18,192 | $510,362 | $3,433 | $230 | $583 | $4,246 | $182,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Stockton metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sacramento County | $521,128 | -0.5% | 0.73% |
| Inyo County | $524,036 | +5.7% | 0.74% |
| Alpine County | $508,465 | -2.0% | 0.77% |
| San Bernardino County | $548,565 | +0.9% | 0.7% |
| Mendocino County | $480,674 | -1.2% | 0.69% |
| Solano County | $571,152 | -0.9% | 0.75% |
| Stanislaus County | $461,114 | +0.2% | 0.71% |
| Riverside County | $602,790 | +0.4% | 0.78% |
| Sutter County | $432,267 | +0.2% | 0.75% |
| Calaveras County | $429,409 | -2.0% | 0.73% |
Frequently asked questions
What is the average home price in San Joaquin County, CA?
The typical home value in San Joaquin County is $519,776 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Joaquin County?
About $144,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Joaquin County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).