ZIP Code · CA

ZIP 95304

Part of Tracy, CA

Pop. 15,841·San Joaquin County·557th most expensive ZIP in California

Median rent (all units)

$2,613/mo

Year-over-Year

+3.2%

Month-over-Month

-0.2%

vs US Median

+$681

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 95304 · $2,613

More expensive than 83% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,920

1 BR

$2,080

2 BR

$2,600

3 BR

$3,620

4 BR+

$4,360

Research median

$2,600/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of California

Rent in ZIP 95304 changed +3.2% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

What a typical income covers

30% of the median household income ($115,007) is $2,875 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,600); a 3-bedroom is $3,620.

Rank in Tracy

2nd cheapest of 4 ZIP codes in Tracy.

From Zillow's monthly rent index (ZORI) for ZIP 95304. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$31,356/yr

At $2,613/mo median

Location

CityTracy

StateCA

CountySan Joaquin County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.2% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.2% YoY, -0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 95304 (Tracy, CA) is majority owner-occupied, has a median income above the national average, 27.4% of residents hold a bachelor's degree or higher.

Population

15,841

Median income

$115,007

Median age

37.3

Renters

39.9%

Age distribution

23.9%

21.7%

30%

12.7%

Under 1823.9%

18–3421.7%

35–5430%

55–6412.7%

65+11.7%

Gender

54.3%

45.7%

Male54.3%

Female45.7%

Race & ethnicity

34.3%

36.9%

12.9%

White34.3%

Black6.5%

Hispanic36.9%

Asian12.9%

Other9.4%

Education (25+)

13.5%

28.7%

30.4%

27.4%

No HS diploma13.5%

HS diploma28.7%

Some college30.4%

Bachelor's+27.4%

Housing tenure

60.1%

39.9%

Owner60.1%

Renter39.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 95304 in Tracy, CA has changed in 5 years

Income

$101,069 → $115,007

up 13.8%

Population

15,585 → 15,841

up 1.6%

Renter share

37% → 39.9%

+2.9 pts

Bachelor's+

21.4% → 27.4%

+6.0 pts

Median household income rose from $101,069 to $115,007 between 2021 and 2024, a 13.8% shift. The population has grown by 1.6% since 2021, moving from about 15,585 residents to roughly 15,841. Renters now make up 39.9% of households, compared with 37% five years ago. College-educated residents now make up 27.4% of adults here, versus 21.4% in 2021.

Community

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Local insights

Tips for renters in ZIP 95304

About renting in ZIP 95304

Last updated: October 17, 2026

ZIP code 95304 covers Tracy, CA. The median rent here is $2,613/mo as of October 2026. A 1-bedroom rents for a median of $2,080/mo. A 2-bedroom rents for a median of $2,600/mo.

At 27% of local median household income ($115,007/yr), ZIP 95304 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95304?

To keep rent at or below 30% of gross income, you would need to earn at least $105,000/year (about $50/hour full-time) to afford the median rent of $2,613/mo in ZIP 95304. The local median household income is $115,007/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 95304?

Rent in ZIP 95304 has risen 3.2% over the past year.

How does ZIP 95304 compare to other ZIPs in California?

ZIP 95304 is in the middle among California ZIP codes for rent, ranking #557 of 898 at $2,613/mo. Over the year to September 2026, rent in ZIP 95304 changed +3.2%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.