Mortgage payment estimates, closing cost breakdowns, and homebuying data for Stockton, California.
Median Home Price
$415K
Population
321K
Avg Monthly Rent
$1,520
Property Tax Rate
0.73% *
* Property tax shown is the California state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Stockton.
Stockton vs California Median
The median home price in Stockton is $415,000, which is 47% below the California state median of $785,000.
Mortgage Calculator — Stockton, CA
Pre-filled with Stockton median home price and California tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $415K home using California's 0.73% tax rate and $2,200/yr insurance.
5% Down
$3,158/mo
Down: $20,750
Loan: $394K
P&I: $2,492
Tax: $252
Insurance: $183
PMI: $230
10% Down
$3,014/mo
Down: $41,500
Loan: $374K
P&I: $2,361
Tax: $252
Insurance: $183
PMI: $218
20% Down (No PMI)
$2,534/mo
Down: $83,000
Loan: $332K
P&I: $2,098
Tax: $252
Insurance: $183
Income needed (28% rule): $109K/year with 20% down, $129K/year with 10% down.
Rent vs Buy in Stockton
Rent
$1,520/mo
vs
Buy (10% down)
$3,014/mo
Price-to-rent ratio: 22.8 — At a ratio above 20, renting may be more economical in Stockton for shorter stays. Buying costs $1,494 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Stockton is $415,000, 47% below the California state median of $785,000. With a population of 320,804, Stockton is a mid-size city where home prices tend to be more accessible than in many parts of California.
Property taxes in California average 0.73% annually. This moderate property tax rate means a $415,000 home in Stockton would carry roughly $252/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.
Average rent in Stockton is $1,520/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Stockton is a higher-cost market. At $415K median, buyers need significant savings or strong income. Down payment assistance through California's CalHFA Dream For All program becomes especially important.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Stockton.