AreaProfile

95204Stockton, California

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 95204.

49
Area Score
Bottom 7% of 3,833 published profiles

How we calculate this

How this area ranks
Opportunity3709th of 4,073 published ZIP areas31
Growth3198th of 3,947 published ZIP areas31
Housing affordability2948th of 4,553 published ZIP areas65
ClimateTop 29% of 4,621 published ZIP areas76
Physical resilience3545th of 4,554 published ZIP areas25
AccessTop 4% of 4,623 published ZIP areas100
Economic stability3257th of 4,591 published ZIP areas48
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 6.7% and the Opportunity signal places 95204 in the bottom 9%.

Residential permitting has slowed: 306 units authorized over the past twelve months, 25% below the prior year.

Physical-risk exposure is above the national median, driven mainly by earthquake, inland flooding and drought.

At a glance

Population
31,035
2024 ACS 5-Year
Median household income
$75,548
Top 44% nationally
Density
5,853/sq mi
5.3 sq mi of land
Median age
36.7
2024 ACS 5-Year
City
Stockton
California
Metro area
Stockton-Lodi, CA
Nearest major airport
SCK
7 mi · Stockton Metro
Median home value
$387,100
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 6.7% is lower than 4% of the 4,387 measured US ZIP areas.

Employment fell 1.8% over the past year, to 134,076 employed residents.

MetricValueCompared with peersSource period
Median household income ±$5,429$75,548Top 44%2024 ACS 5-Year
Per capita income ±$2,951$34,307Bottom 42%2024 ACS 5-Year
Poverty rate13.7%Top 36%2024 ACS 5-Year
Average commute29.4 minTop 41%2024 ACS 5-Year
Bachelor's degree or higher20.6%Bottom 42%2024 ACS 5-Year
Employment134,076Top 20%June 2026
Employment change (3 years)-0.2%Bottom 47%June 2026
Employment change (year over year)-1.8%Bottom 24%June 2026
Labor force143,723Top 20%June 2026
Labor force participation60.9%Top 49%2024 ACS 5-Year
Mean annual wage$64,950Bottom 36%2025 OEWS
Median annual wage$48,990Bottom 39%2025 OEWS
Unemployment change (year over year)-0.6%Bottom 15%June 2026
Unemployment rate6.7%Top 4%June 2026
Median household income, successive ACS releases
202120222023202476k62k
Each point is a separate five-year estimate, most recently $75,548 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Stockton-Lodi, CA
OccupationPeople employedMedian annual wage
Laborers and Freight, Stock, and Material Movers, Hand15,030$47,330
Home Health and Personal Care Aides12,580$34,320
Heavy and Tractor-Trailer Truck Drivers10,110$60,470
Fast Food and Counter Workers7,560$41,740
Cashiers5,900$36,340
Industrial Truck and Tractor Operators5,810$48,290

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Stockton, CA, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $1,457 takes 23% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 5.1 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
23.1%
Below the 30% cost-burdened threshold
Home price to income
5.1×
median home value ÷ median income
Median gross rent
$1,457
2024 ACS 5-Year
Median home value
$387,100
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income5.12Top 15%2024 ACS 5-Year
Homeownership rate59.4%Bottom 16%2024 ACS 5-Year
Housing units ±49612,344Top 12%2024 ACS 5-Year
Median gross rent ±$75$1,457Top 23%2024 ACS 5-Year
Median home value ±$13,974$387,100Top 22%2024 ACS 5-Year
Rent as a share of income23.1%Top 21%2024 ACS 5-Year
Vacancy rate7.6%Bottom 36%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
31/ 100
Ranks 3198 of 3,947 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.9 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
306
12 months ending July 2026
Per 1,000 residents
0.9
Bottom 21% nationally
Year over year
−25%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Stockton, CA, the city containing this ZIP code.

Weather & climate

8 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 95°F and January a low of 39°F.

Normal annual precipitation is 13.4 inches.

30°50°70°90°110°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station STOCKTON METRO AP, 7.7 miles from this location.
Precipitation
JFMAMJJASOND2.7"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation13.4"1991-2020 Normals
Average January low39°F1991-2020 Normals
Average July high95°F1991-2020 Normals
Comfortable months81991-2020 Normals
Seasonal temperature swing30°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

25 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, inland flooding and drought.

DroughtHigh
EarthquakeHigh
Inland floodingModerate
Heat waveModerate

Low or minimal exposure: lightning, wildfire, volcanic activity, landslide, hail, tornado, winter weather, strong wind, avalanche.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

7 major airports lie within 100 miles, the nearest 7 miles away.

AirportCodeDistanceLongest runway
Stockton MetroSCK7 mi10,245 ft
Mc Clellan AirfieldMCC48 mi10,599 ft
Sacramento IntlSMF52 mi8,605 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
49
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

95204 vs Stockton

How this ZIP area compares with Stockton as a whole. Both figures come from the same ACS release, so the comparison is like for like.

95204
Stockton
Median household income
$75,548
vs
$79,907
Per capita income
$34,307
vs
$31,918
Population density
5,853/sq mi
vs
5,092/sq mi
Median home value
$387,100
vs
$440,900
Median gross rent
$1,457
vs
$1,577
Homeownership rate
59.4%
vs
53.9%
Bachelor's degree or higher
20.6%
vs
20.0%
Poverty rate
13.7%
vs
15.5%
Median age
36.7
vs
33.9

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.