Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$519,775−2.1% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$112,676About 1.2× the local median income ($91,854): a stretch for a typical household
Days on market54 daysFaster than a year ago: sellers have the edge
Next 12 months−0.7%Zillow expects prices to dip slightly
The typical home in Stockton-Lodi, CA is worth $519,775, down 2.1% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $526,523, so the area is 1.3% undervalued. It is a buyer's market: homes take about 54 days to sell, listings are up 5% from a year ago, 21% of listings have had a price cut. Zillow expects prices to fall about 0.7% over the next year. A household needs about $112,676 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $91,854. Typical rent is $2,431 a month, or $2,846 for a house. In the latest IRS figures, 2,062 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$519,775
Change in 1 year
−2.1%
Overvalued %
−1.3%
Show 7 more
Fair home value
$526,523
Change in 5 years
+1.8%
Zillow forecast, next 12 months
−0.7%
Home value to income
5.7×
Monthly mortgage payment (20% down)
$2,817
Income needed to afford it
$112,676
Property tax rate
0.75%
Rent and investing
Typical rent
$2,431
Typical rent for houses
$2,846
Price-to-rent ratio
17.8×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$2,015
Gross rental yield
5.61%
Cap rate (estimate)
3.65%
Market activity
Listings vs a year ago
+5.1%
Days on market
54
Listings with a price cut
21.1%
Show 3 more
Homes for sale
1,411
Pending sales per 100 listings
38
Asking price per sq ft
$306
People and jobs
Median household income
$91,854
Population change (1 year)
+0.8%
Unemployment rate
7.6%
Show 4 more
Population
823,815
Income adjusted for cost of living
$87,397
Net moves in (IRS)
+2,062
Cost of living (US = 100)
105.1
Schools, risk and environment
School rating (1 to 10)
4.5
FEMA hazard risk score (0 to 100)
98.6
Unhealthy air days a year
0
Show 4 more
Flood risk score
97.7
Wildfire risk score
92.0
Walkability (1 to 20)
10.8
Road, rail and air noise
54 dB
Questions people ask
Is Stockton-Lodi, CA overvalued?
Home prices in Stockton-Lodi, CA are slightly below what local incomes have historically supported: fair value is about $526,523, so the area is 1.3% undervalued.
Is Stockton-Lodi, CA a buyer's or seller's market?
Stockton-Lodi, CA is a buyer's market: homes take about 54 days to sell, listings are up 5% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Stockton-Lodi, CA?
Home values in Stockton-Lodi, CA are down 2.1% over the last year. Zillow's forecast for the next 12 months is −0.7%.
How much do you need to earn to buy a home in Stockton-Lodi, CA?
A household needs about $112,676 a year to afford the typical home in Stockton-Lodi, CA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $91,854.