ZIP Code · CA

ZIP 95377

Part of Tracy, CA

Pop. 37,739·San Joaquin County·316th most expensive ZIP in California

Median rent (all units)

$3,057/mo

Year-over-Year

+3.0%

Month-over-Month

+1.4%

vs US Median

+$1,125

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 95377 · $3,057

More expensive than 91% 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

$1,930

1 BR

$2,090

2 BR

$2,610

3 BR

$3,630

4 BR+

$4,380

Research median

$2,610/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

Cheapest month to sign

January. Asking rents in ZIP 95377 usually run 1.1% below trend in January and 1.4% above it in June, about $76 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 95377 is at its highest level since Zillow's records here began in March 2021.

Past year vs. the rest of California

Rent in ZIP 95377 changed +3.0% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent has risen 3 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($158,158) is $3,954 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($3,630); a 4-bedroom is $4,380.

Rank in Tracy

4th cheapest of 4 ZIP codes in Tracy.

Cheaper nearby

ZIP 95304, 6 miles away, rents for 15% less ($2,613/mo), about $5,300 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 95377. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$36,684/yr

At $3,057/mo median

Location

CityTracy

StateCA

CountySan Joaquin County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.0% YoY, +1.4% MoM), not inventory.

Demographics

Who lives here

ZIP 95377 (Tracy, CA) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 37.5% of residents hold a bachelor's degree or higher.

Population

37,739

Median income

$158,158

Median age

36.7

Renters

25.4%

Age distribution

27.8%

19.4%

30.6%

Under 1827.8%

18–3419.4%

35–5430.6%

55–6411%

65+11.1%

Gender

52%

48%

Male52%

Female48%

Race & ethnicity

24.5%

31.4%

37%

White24.5%

Black6.5%

Hispanic31.4%

Asian37%

Other0.6%

Education (25+)

20.4%

30.5%

37.5%

No HS diploma11.6%

HS diploma20.4%

Some college30.5%

Bachelor's+37.5%

Housing tenure

74.6%

25.4%

Owner74.6%

Renter25.4%

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

2021 vs 2026

How ZIP 95377 in Tracy, CA has changed in 5 years

Rent

$2,645 → $3,057

up 15.6%

Income

$128,732 → $158,158

up 22.9%

Population

33,630 → 37,739

up 12.2%

Renter share

26.7% → 25.4%

-1.3 pts

Bachelor's+

27.2% → 37.5%

+10.3 pts

Since 2021, the typical rent in ZIP 95377 in Tracy, CA has climbed from $2,645 to $3,057, a 15.6% change over five years. Local incomes tracked alongside that move, going from a median of $128,732 in 2021 to $158,158 more recently. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 12.2% since 2021, moving from about 33,630 residents to roughly 37,739. College-educated residents now make up 37.5% of adults here, versus 27.2% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 95377 in Tracy, CA market of 2021.

Community

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Local insights

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About renting in ZIP 95377

Last updated: October 17, 2026

ZIP code 95377 covers Tracy, CA. The median rent here is $3,057/mo as of October 2026. A 1-bedroom rents for a median of $2,090/mo. A 2-bedroom rents for a median of $2,610/mo.

At 23% of local median household income ($158,158/yr), ZIP 95377 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95377?

To keep rent at or below 30% of gross income, you would need to earn at least $122,000/year (about $59/hour full-time) to afford the median rent of $3,057/mo in ZIP 95377. The local median household income is $158,158/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 95377?

Rent in ZIP 95377 has risen 3.0% over the past year as of September 2026. That is the highest level since Zillow's records here began in March 2021.

When is the cheapest time to rent in ZIP 95377?

Asking rents in ZIP 95377 are usually lowest in January, about 1.1% below their yearly trend, and highest in June, about 1.4% above it. At today's median that is a gap of roughly $76 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 95377 compare to other ZIPs in California?

ZIP 95377 is in the middle among California ZIP codes for rent, ranking #316 of 898 at $3,057/mo. Over the year to September 2026, rent in ZIP 95377 changed +3.0%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.