Tracy, CA · standard
ZIP Code 95304
San Joaquin County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 15,706
- 38/sq mi Moderate-density area
- $115,007
- Median income Above-median income area
- $893,600
- Median home value Above-median home value
- 27.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Tracy pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 11%
- household income, US ZIPs
- Top 3%
- home value, US ZIPs
- 38
- people per sq mi
- 60%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95304 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95304 (Tracy, CA) rose +6.7% from 2023 to 2024. The all-transactions index moved from 260.5 in 2023 to 278.0 in 2024 (2000 = 100).
ZIP code 95304 is a mid-sized community (a standard USPS delivery area) in Tracy, San Joaquin County, California, home to 15,706 residents across 413.3 square miles, a density of 38 people per square mile, in the Los Angeles time zone.
ZIP 95304 skews affluent, with a median household income of $115,007 (13% above the average California ZIP), while per-capita income is $48,304. The poverty rate is 8.3%, with unemployment at 6.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $893,600 (16% above the average California ZIP), while 60.1% of occupied homes are owner-occupied and median rent is $2,426.
Educational attainment sits below the national norm: 27.4% of adults hold a bachelor's degree or higher, the median age is 37.3, and the average commute is 33 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in San Joaquin County, so 95304 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95304
Top 5 sectors by establishment count in Tracy, CA
Which industries have the most business establishments in ZIP 95304.
- Retail trade
Retail trade
92 establishments
- Construction
Construction
67 establishments
- Transportation and warehousing
Transportation and warehousing
66 establishments
- Accommodation and food services
Accommodation and food services
62 establishments
- Other services (except public administration)
Other services (except public administration)
52 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95304, Tracy, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
15,706
Population
413.3
Area (sq mi)
38
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95304?
37.3
Median Age
54.3%
Male
45.7%
Female
21.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$115,007
Median Household Income
+13% vs state ZIP avg
$48,304
Per Capita Income
8.3%
Poverty Rate
6.5%
Unemployment Rate
32.5 min
Mean Commute Time
How ZIP 95304 ranks among California ZIPs
Tracy, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$115,007 Top 31% higher than 69% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,410housing units
5,410
Total Housing Units
4,949
Occupied Units
461
Vacant Units
3.03
Avg Household Size
Occupancy Type
$893,600
Median Home Value
+16% vs state ZIP avg
$2,426
Median Rent
1999
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+6.7%
YoY Change (2024)
278
HPI Index (2000 = 100)
+178%
Total Change Since 2000
Home values in ZIP 95304 have increased 6.7% over the past year (2024). Since 2000, this ZIP has seen +178% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 191 |
| 2021 | +13.8% | 218 |
| 2022 | +16.9% | 255 |
| 2023 | +2.3% | 261 |
| 2024 | +6.7% | 278 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 589 business establishments in ZIP 95304, employing approximately 21,820 people with a combined annual payroll of $1,121,450,000.
589
Businesses
21,820
Employees
$1.1B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 92 | 15.6% |
| Construction | 67 | 11.4% |
| Transportation and warehousing | 66 | 11.2% |
| Accommodation and food services | 62 | 10.5% |
| Other services (except public administration) | 52 | 8.8% |
| Manufacturing | 42 | 7.1% |
| Wholesale trade | 42 | 7.1% |
| Real estate and rental and leasing | 35 | 5.9% |
| Professional, scientific, and technical services | 30 | 5.1% |
| Administrative and support and waste management and remediation services | 26 | 4.4% |
| Health care and social assistance | 24 | 4.1% |
| Finance and insurance | 13 | 2.2% |
| Educational services | 11 | 1.9% |
| Arts, entertainment, and recreation | 10 | 1.7% |
| Information | 8 | 1.4% |
| Agriculture, forestry, fishing and hunting | 3 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95304 vs 95376 →
ZIP 95304 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95376
Tracy (95376)
49,859 residents
- 95377
Tracy (95377)
30,902 residents
- 95330 17,853
Lathrop (95330)
17,853 residents
- 95304 15,706
Tracy (95304)
15,706 residents
- 95385 429
Vernalis (95385)
429 residents
What this shows Among its immediate neighbors, ZIP 95304 ranks #4 by population - useful context the national average alone can't give.
ZIP 95304 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95377
Tracy (95377)
$158,158 median income
- 95330
Lathrop (95330)
$125,421 median income
- 95304
Tracy (95304)
$115,007 median income
- 95376
Tracy (95376)
$102,555 median income
- 95385 $53,409
Vernalis (95385)
$53,409 median income
What this shows By household income, ZIP 95304 ranks #3 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95304, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (15,706 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in San Joaquin County
Related Areas
Frequently Asked Questions
What county is ZIP code 95304 in?
ZIP code 95304 (Tracy) is located in San Joaquin County, California. San Joaquin County contains multiple ZIP codes, see the full list at /counties/san-joaquin-ca.
What is the population of ZIP code 95304?
ZIP code 95304 in Tracy, CA has a population of 15,706 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95304?
The median household income in ZIP 95304 is $115,007, which is 51% above the national average of $76,288.
What is the average home value in ZIP 95304?
The median home value in ZIP 95304 is $893,600, which is 221% above the national average of $278,155.
What is the demographic makeup of ZIP 95304?
The largest racial group in ZIP 95304 is White at 34.3%. Hispanic or Latino residents make up 36.9% of the population.
How many businesses are in ZIP code 95304?
ZIP code 95304 has 589 business establishments employing approximately 21,820 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95304?
The top industries by establishment count in ZIP 95304 are: Retail trade (92), Construction (67), Transportation and warehousing (66). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 95304?
According to the FHFA House Price Index, home values in ZIP 95304 increased by 6.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 178%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95304?
In ZIP code 95304, 56.1% of residents aged 25+ have a high school diploma or higher, and 27.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95304?
The mean commute time for workers in ZIP code 95304 is 32.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95304?
In ZIP code 95304, approximately 60.1% of occupied housing units are owner-occupied and 39.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95304?
The poverty rate in ZIP code 95304 is 8.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95304's numbers, next.
- See how ZIP 95304 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Tracy, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.