CALCMONEY // HOME AFFORDABILITY // CA // STOCKTON
How much house can you afford in Stockton? Based on local median home prices, current CA mortgage rates, and Stockton property tax data.
$420,000
$2,653/mo
$113,707/yr
$172,038
Monthly housing costs of $2,653 represent 54.9% of Stockton's median gross monthly income ($4,833/mo). At 54.9%, median-income buyers in Stockton are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $420,000 |
| Down Payment (20%) | $84,000 |
| Loan Amount | $336,000 |
| Monthly PI Payment | $2,202 |
| Monthly Property Tax | $277 |
| Monthly Insurance Est. | $175 |
| Total Monthly PITI | $2,653 |
| Housing Cost % of Income | 54.9% |
| Required Income (28% rule) | $113,707/yr |
| Max Affordable Home | $172,038 |
$14,700
$3,394/mo
Stockton Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $420,000 | Stockton city median |
| Down Payment (20%) | $84,000 | Conventional loan |
| Monthly PITI | $2,653 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $113,707 | Annual gross |
| Max Affordable Home | $172,038 | Based on median income |
| FHA Down (3.5%) | $14,700 | Minimum FHA |
| Housing Cost % of Income | 54.9% | Median income: $58,000/yr |
| Property Tax Rate | 0.79% | $3,318/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Stockton is $420,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $336,000, generating a monthly P&I payment of $2,202. Adding property taxes ($277/mo) and homeowners insurance ($175/mo) brings total monthly PITI to $2,653.
Stockton's property tax rate of 0.79% is among the lower rates in the country, which improves overall affordability by keeping total PITI closer to the principal and interest payment alone. On the Stockton median home, that is $277/month, or $3,318 per year.
California levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Stockton should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Stockton's median income of $58,000/year can afford up to $1,353/month in total housing costs. Based on Stockton's mortgage rate of 6.85% and property tax rate of 0.79%, that translates to a maximum affordable home price of approximately $172,038 with 20% down on a 30-year loan.
To afford the median Stockton home priced at $420,000, you need an annual gross income of approximately $113,707. Total monthly housing costs (principal and interest of $2,202, property taxes of $277, and insurance of $175) come to $2,653/month, which equals 28% of the required income.
At the median home price of $420,000 and median household income of $58,000, the total monthly housing cost of $2,653 represents 54.9% of gross monthly income. This is well above the standard 28% threshold, making Stockton a challenging market for buyers at median income.
A conventional 20% down payment on the median Stockton home of $420,000 is $84,000. An FHA loan requires just 3.5% down — $14,700 — but adds mortgage insurance of roughly $287/month, bringing total FHA payments to $3,394/month.
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