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ZIP Code · CA

ZIP 95304

Part of Tracy, CA
Pop. 15,841·San Joaquin County·495th most expensive ZIP in California
Median rent (all units)
$2,715/mo
Year-over-Year
Stable
Month-over-Month
-0.6%
vs US Median
+$750
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 95304 · $2,715
More expensive than 85% of US ZIP codes · National median $1,965/mo
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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: July 20, 2026

Annual cost
$32,580/yr
At $2,715/mo median
Location
CityTracy
StateCA
CountySan Joaquin County
Rent Market Meter
Balanced Market
Renter's MarketBalancedLandlord's Market
Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.
Based on rent-price momentum (+0.0% YoY, -0.6% 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: July 20, 2026

ZIP code 95304 covers Tracy, CA. The median rent here is $2,715/mo as of July 2026. A 1-bedroom rents for a median of $2,080/mo. A 2-bedroom rents for a median of $2,600/mo.

At 28% of local median household income ($115,007/yr), ZIP 95304 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 95304?

As of July 20, 2026, the median monthly rent in ZIP 95304 (Tracy, CA) is $2,715. This is based on aggregated data from public sources and community submissions.

How does ZIP 95304 rent compare to the US average?

ZIP 95304's median rent of $2,715/mo is $750 (38%) above the US national median of $1,965/mo.

How does ZIP 95304 compare to other ZIPs in California?

ZIP 95304 falls in the middle range for California, ranking #495 out of 907 ZIPs at $2,715/mo.

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 $109,000/year (~$52/hour full-time) to afford the median rent of $2,715/mo in ZIP 95304. The local median household income is $115,007/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 95304?

Rent in ZIP 95304 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 95304 an affordable place to rent?

ZIP 95304 is considered affordable for renters. At $2,715/mo, rent takes approximately 28% of the local median household income ($115,007/yr). The standard benchmark is 30%. ZIP 95304 falls comfortably within that range.

What percentage of ZIP 95304 residents rent vs. own?

According to Census data, approximately 39.9% of ZIP 95304 households are renters, while 60.1% are owner-occupied. ZIP 95304 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 95304 compare to the rest of Tracy?

ZIP 95304 is more affordable than Tracy overall. At $2,715/mo, it's $2 below the Tracy citywide median of $2,717/mo.

When was rent data for ZIP 95304 last updated?

Rent data for ZIP 95304 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
28%
AFFORDABLE

At $2,715/mo, rent takes ~28% of ZIP 95304's median household income ($115,007/yr). The standard benchmark is 30%.

ZIP 95304 28%Benchmark 30%
State income tax1–13.3%
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Schools nearby

Public schools near ZIP 95304 (Tracy, CA)

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