Aug 2026
$442K
+1.7% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Stockton, CA
Median sale price, a Redfin vs. FHFA price check, and daily-refreshed real estate signals for Stockton, CA. Built for agents; free to read.
Stockton, CA’s median sale price is $442K as of Aug 2026 — +1.7% year over year. Pecan Street measures Stockton’s year-over-year home-price change two independent ways: Redfin sale prices and the FHFA House Price Index. No market signals are flagged here right now.
Headline
Oct 6, 2026
7.45%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$2,459/mo
$105K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Stockton compares to other U.S. metros
| Price cuts | ↑57th of 195 (top 30%) |
|---|---|
| Price-to-rent | ↓128th of 195 |
| Days on market | ↓123rd of 195 |
| Home-price growth | 100th of 195 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 13 -11.7% YoY ↓128th of 195 |
|---|---|
| Asking price / sq ft | $307 -0.6% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 42% -0.2 pts YoY ↑57th of 195 (top 30%) |
|---|---|
| New housing units permitted | 243 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 30 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 3.5ppRedfin (city) +1.7% | FHFA HPI · Q2 2026 -1.8% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
Market dispatches
Citable market dispatches for Stockton → Latest dispatch: Jul 10, 2026.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 95204 | $419K↓ | 60↓ | 24↓ | 26↓ | 49↓ | $383K↓ |
| 95206 | $454K↑ | 55↓ | 32↑ | 20↓ | 48↓ | $418K↓ |
| 95207 | $357K↓ | 82↓ | 36↓ | 36↓ | 59↑ | $407K↓ |
| 95209 | $509K | 73↓ | 34↑ | 24↓ | 46↓ | $484K↓ |
| 95219 | $589K↑ | 83↓ | 26↓ | 40↑ | 62↓ | $547K↓ |
| 95240 | $544K↑ | 65↑ | 30↑ | 28↑ | 46↑ | $467K↓ |
| 95242 | $650K↑ | 69↓ | 24↓ | 38↓ | 51↓ | $570K↓ |
| 95330 | $680K↓ | 127↑ | 36↓ | 44↑ | 61↑ | $627K↓ |
| 95336 | $544K↓ | 93↑ | 46↑ | 42↑ | 45↓ | $520K↓ |
| 95337 | $667K↓ | 135↑ | 56↑ | 50↑ | 46↓ | $634K↓ |
| 95376 | $600K↓ | 85↓ | 24↓ | 32↑ | 48↓ | $581K↓ |
| 95377 | $768K↓ | 85↓ | 24↓ | 30↓ | 53↑ | $741K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.