Home Values in Stockton, California — 2026 Market Report
Updated March 2026 | Seller's Market | +4.7% YoY
The median home value in Stockton, California is $435,000 as of March 2026, which is above the national median of $400,000. Home values in Stockton have increased by 4.7% over the past year and 25.8% over the last five years. With a population of 320,804 and a median household income of $56,520, the price-to-income ratio stands at 7.7x, making Stockton affordable for the average household.
Stockton Housing Market Conditions
| Metric | Stockton | National Avg |
|---|---|---|
| Median Home Value | $435,000 | $400,000 |
| YoY Appreciation | +4.7% | +3.8% |
| 5-Year Appreciation | +25.8% | +22.4% |
| Price per Sq Ft | $310 | $222 |
| Days on Market | 43 days | 45 days |
| Months of Supply | 2.1 | 3.5 |
| List-to-Sale Ratio | 96.2% | 98.5% |
| Monthly Homes Sold | 264 | — |
| Foreclosure Rate | 0.21% | 0.3% |
Home Value Trends in Stockton
A homeowner who purchased at the median price of $345,787 five years ago in Stockton would have gained approximately $89,213 in equity, representing a 25.8% return on investment. Over the past year alone, the typical homeowner gained $19,527 in home equity.
Affordability in Stockton, CA
With a median household income of $56,520 and a median home price of $435,000, the price-to-income ratio in Stockton is 7.7x. A ratio below 3x is generally considered affordable, while above 5x indicates significant affordability challenges. The average monthly rent of $3,382 compared to estimated monthly ownership costs of $2,342 gives a rent-vs-buy ratio of 0.69. In Stockton, buying is currently competitive with renting when factoring in equity accumulation.
Property Taxes in Stockton
The effective property tax rate in California is 0.76%. On a home valued at $435,000, the estimated annual property tax bill is $3,306, or approximately $276/month. Property taxes are an important factor in the total cost of homeownership and can significantly impact affordability. The cost of living index in Stockton is 107.5 (100 = national average), indicating living costs are near the national average.
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Open Mortgage CalculatorFrequently Asked Questions
What is the median home value in Stockton, CA?
The median home value in Stockton, California is $435,000 as of March 2026. Home values have changed +4.7% over the past year, with a 5-year appreciation of 25.8%.
Is Stockton a buyer's or seller's market?
Stockton is currently a seller's market with 2.1 months of housing supply. Homes spend an average of 43 days on market, and the list-to-sale price ratio is 96.2%. Low inventory gives sellers an advantage.
Are home values going up in Stockton?
Yes, home values in Stockton have increased by 4.7% over the past year. The 5-year appreciation rate is 25.8%, meaning a home worth $345,787 five years ago is now worth $435,000.
Is it better to rent or buy in Stockton?
The average monthly rent in Stockton is $3,382, while estimated monthly homeownership costs are approximately $2,342. The price-to-rent ratio is 10.7. Based on current conditions, buying may be more cost-effective than renting in this market.
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Disclaimer: Home value data for Stockton, California is based on publicly available market data and estimates. Actual home values may vary based on property condition, location within the city, and current market conditions. Data is updated regularly but may not reflect the most recent transactions. Last updated: March 2026.