Stockton, CA home prices
Typical home $519,775 · -2.1% in a year · income needed $144,900
The Stockton, CA metro area ranks 67 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -2.1% in a year and +1.8% over five years. With 20% down at 7.11%, the typical home costs about $3,380 a month including 0.75% property tax (San Joaquin County rate).
Mortgage on the typical Stockton home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $103,955 | $415,820 | $2,797 | $0 | $583 | $3,380 | $144,900 |
| 10% down | $51,977 | $467,797 | $3,147 | $195 | $583 | $3,925 | $168,200 |
| 5% down | $25,989 | $493,786 | $3,322 | $206 | $583 | $4,111 | $176,200 |
| 3.5% down (FHA) | $18,192 | $510,360 | $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.
Counties in the Stockton area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Joaquin County, CA | $519,776 | -2.1% | 0.75% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Stockton?
The typical home in the Stockton, CA metro area is worth $519,775 (Zillow, September 2026).
What salary do you need to buy a house in Stockton?
About $144,900 a year for the typical home with 20% down at 7.11%.