Residential delivery area · California
ZIP Code 95304: Tracy, CA
ZIP code 95304 uses the postal name Tracy, California and lies entirely in San Joaquin County (Census 2020 ZIP-county file). About 16,000 people live there (Census Bureau, ACS 2020-2024), the least populous of Tracy's 4 residential ZIP codes. Median household income is $115,007 (Census Bureau, ACS 2020-2024). Its land lies mostly outside any Census place; 4% is in small places.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Tracy · 4 residential ZIPs
- County
- San Joaquin County
- Metro area
- Stockton-Lodi, CA
- House districts
- CA-13 (67%), CA-9 (33%) 119th Congress, by share of land
- State
- California
- Time zone
- Pacific
- Land area
- 153.5 sq mi · 103 people per sq mi
- PO Box ZIPs
- 95378 also use the name Tracy
Where is ZIP code 95304?
95304 centers on 37.681°, -121.382° and covers 153.5 square miles of land plus 2.8 of water. It borders 12 ZIP codes: 95376, 95377, 95385, 95337, 95330, 95387, 95391, 94550, 95358, 95206 and more.
The map draws ZIP code areas only. For the streets inside 95304, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 95304 compare with the rest of Tracy?
| Measure | 95304 | In Tracy | In San Joaquin County | In CA |
|---|---|---|---|---|
| People (ACS 2020-2024) | 15,841 | 4th of 4 | 22nd of 36 | 893rd of 1,802 |
| Median household income | $115k | 3rd of 4 | 5th of 27 | 401st of 1,189 |
| Median home value | $894k | 2nd of 4 | 2nd of 29 | 444th of 1,317 |
Its median household income is higher than in 89% of U.S. residential ZIP codes, and it is denser than 54% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 95304?
The 2020 Census counted 16,210 people in 95304; the ACS, which samples households over 2020-2024, estimates 15,841. Between the 2010 and 2020 censuses its population grew 3.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 15,841±1,750 (90% margin)
- 2020 Census count
- 16,210+3.2% since 2010 (15,706)
- Households
- 4,949
- Median age
- 37.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 95304?
Of the 15,841 people the ACS estimates in 95304, 23.9% are under 18 and 11.7% are 65 or older. The largest group by race and Hispanic origin is Hispanic or Latino (36.9%), then White (not Hispanic) (31.4%).
- Under 1823.9%
- 18 to 6464.4%
- 65 and older11.7%
- Hispanic or Latino36.9%
- White, not Hispanic31.4%
- Asian, not Hispanic12.8%
- Other or two or more12.3%
- Black, not Hispanic6.5%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 95304 earn?
Median household income is $115,007 (ACS 2020-2024), the 5th highest of the 27 ranked ZIP codes in San Joaquin County. It is not measurably different from 2015-2019 ($120,353 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $115,007
- Income per person
- $48,304
- Below the poverty line
- 8.3%
- Unemployed (of the labor force)
- 6.5%
- Adults 25+ with a bachelor's degree
- 27.4%
- Adjusted gross income per tax return, 2022
- $113,7476,350 returns; wages 67% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 95304?
FHFA's house price index for 95304, built from repeat sales and appraisals of the same homes, rose 89% from 2015 to 2025 and rose 40% from 2020 to 2025, and moved −4.1% in 2025.
- Median home value (owners' estimate)
- $893,600
- Median gross rent
- $2,426
- Homes owned by their occupants
- 60.1%
- Housing units
- 5,410
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 95304?
589 business establishments had a location in this ZIP code in 2023, 91 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade92
- Construction67
- Transportation and warehousing66
- Accommodation and food services62
- Other services (except public administration)52
- Manufacturing42
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 95304?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95376 | Tracy | 54,488 | $103k | 4.8 mi |
| 95377 | Tracy | 37,739 | $158k | 7.4 mi |
| 95385 | Vernalis | 602 | $53k | 8.8 mi |
| 95337 | Manteca | 48,731 | $117k | 8.9 mi |
| 95330 | Lathrop | 35,395 | $125k | 9.8 mi |
| 95387 | Westley | 1,032 | $67k | 11.5 mi |
| 95391 | Tracy | 25,574 | $177k | 13.7 mi |
| 94550 | Livermore | 49,873 | $180k | 15.4 mi |
| 95358 | Modesto | 30,469 | $77k | 15.7 mi |
| 95206 | Stockton | 68,558 | $83k | 15.8 mi |
| 94505 | Discovery Bay | 14,970 | $147k | 17.7 mi |
| 95363 | Patterson | 30,769 | $96k | 22.4 mi |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.